Home > Ciera Bank > Performance and Condition Ratios
Ciera Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4311% | 378 |
| Cost of funding earning assets | 2.4084% | 451 |
| Net interest margin | 4.0228% | 1,172 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 2.4643% | 2,405 |
| Loan and lease loss provision to assets | -0.4600% | 4,586 |
| Net operating income to assets | 2.0788% | 412 |
| Return on assets (ROA) | 2.0871% | 397 |
| Pretax return on assets | 2.0871% | 588 |
| Return on Equity (ROE) | 21.6000% | 490 |
| Retained earnings to average equity (ytd only) | 11.5448% | 692 |
| Net charge-offs to loans | -0.4271% | 4,590 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 60.3388% | 3,038 |
| Assets per employee ($millions) | 7.5060% | 1,725 |
| Cash dividends to net income (ytd only)* | 46.5615% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5678% | 904 |
| Loan loss allowance to noncurrent loans | 1,221.0040% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.0840% | 2,981 |
| Noncurrent loans to loans | 0.1284% | 2,874 |
| Net loans and leases to total assets | 64.4300% | 2,423 |
| Net loans and leases to deposits | 76.7372% | 2,375 |
| Net loans and leases to core deposits | 85.6053% | 2,333 |
| Total domestic deposits to total assets | 83.9600% | 2,630 |
| Equity capital to assets | 10.0619% | 1,971 |
| Core capital (leverage) ratio | 9.9464% | 2,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8795% | 1,569 |
| Memoranda: | ||
| Average total assets | $874,379,800 | 1,108 |
| Average earning assets | $805,441,600 | 1,101 |
| Average equity | $84,470,600 | 1,088 |
| Average total loans | $604,710,000 | 1,086 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2529% | 389 |
| Cost of funding earning assets | 2.2715% | 434 |
| Net interest margin | 3.9814% | 1,251 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 2.4540% | 2,364 |
| Loan and lease loss provision to assets | -0.6500% | 4,617 |
| Net operating income to assets | 2.2555% | 345 |
| Return on assets (ROA) | 2.2665% | 333 |
| Pretax return on assets | 2.2665% | 507 |
| Return on Equity (ROE) | 23.7200% | 452 |
| Retained earnings to average equity (ytd only) | 14.9486% | 563 |
| Net charge-offs to loans | -0.5664% | 4,623 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 60.4771% | 2,911 |
| Assets per employee ($millions) | 7.7801% | 1,461 |
| Cash dividends to net income (ytd only)* | 36.9713% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5536% | 977 |
| Loan loss allowance to noncurrent loans | 3,824.2798% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.0262% | 3,546 |
| Noncurrent loans to loans | 0.0406% | 3,476 |
| Net loans and leases to total assets | 63.6000% | 2,495 |
| Net loans and leases to deposits | 78.9366% | 2,151 |
| Net loans and leases to core deposits | 86.9950% | 2,122 |
| Total domestic deposits to total assets | 80.5800% | 3,447 |
| Equity capital to assets | 9.1696% | 2,314 |
| Core capital (leverage) ratio | 9.7435% | 3,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6865% | 1,659 |
| Memoranda: | ||
| Average total assets | $867,793,750 | 1,116 |
| Average earning assets | $798,860,000 | 1,106 |
| Average equity | $82,930,750 | 1,097 |
| Average total loans | $608,500,750 | 1,081 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1311% | 383 |
| Cost of funding earning assets | 2.0155% | 478 |
| Net interest margin | 4.1157% | 1,061 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 2.4914% | 2,228 |
| Loan and lease loss provision to assets | -0.3400% | 4,630 |
| Net operating income to assets | 2.0541% | 429 |
| Return on assets (ROA) | 2.0711% | 419 |
| Pretax return on assets | 2.0711% | 663 |
| Return on Equity (ROE) | 21.3600% | 592 |
| Retained earnings to average equity (ytd only) | 12.4702% | 892 |
| Net charge-offs to loans | -0.0167% | 4,079 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.2665% | 3,046 |
| Assets per employee ($millions) | 7.5901% | 1,552 |
| Cash dividends to net income (ytd only)* | 41.6117% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5551% | 1,023 |
| Loan loss allowance to noncurrent loans | 4,663.3663% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.0226% | 3,589 |
| Noncurrent loans to loans | 0.0333% | 3,502 |
| Net loans and leases to total assets | 66.5800% | 2,097 |
| Net loans and leases to deposits | 85.5362% | 1,537 |
| Net loans and leases to core deposits | 92.1160% | 1,678 |
| Total domestic deposits to total assets | 77.8400% | 3,863 |
| Equity capital to assets | 9.4374% | 2,202 |
| Core capital (leverage) ratio | 9.7228% | 3,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9410% | 1,923 |
| Memoranda: | ||
| Average total assets | $848,447,667 | 1,129 |
| Average earning assets | $779,071,333 | 1,129 |
| Average equity | $82,276,000 | 1,099 |
| Average total loans | $611,949,667 | 1,065 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7389% | 453 |
| Cost of funding earning assets | 1.4620% | 912 |
| Net interest margin | 4.2768% | 845 |
| Noninterest income to average assets | 0.4900% | 1,878 |
| Noninterest expense to average assets | 2.5648% | 2,064 |
| Loan and lease loss provision to assets | -0.0800% | 4,558 |
| Net operating income to assets | 1.9145% | 559 |
| Return on assets (ROA) | 1.9417% | 532 |
| Pretax return on assets | 1.9417% | 862 |
| Return on Equity (ROE) | 19.7400% | 798 |
| Retained earnings to average equity (ytd only) | 10.6714% | 1,541 |
| Net charge-offs to loans | -0.0013% | 3,352 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.3388% | 3,159 |
| Assets per employee ($millions) | 7.0441% | 1,948 |
| Cash dividends to net income (ytd only)* | 45.9291% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6714% | 875 |
| Loan loss allowance to noncurrent loans | 76.1887% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 1.6023% | 187 |
| Noncurrent loans to loans | 2.1937% | 242 |
| Net loans and leases to total assets | 71.8200% | 1,443 |
| Net loans and leases to deposits | 85.3883% | 1,396 |
| Net loans and leases to core deposits | 91.1399% | 1,554 |
| Total domestic deposits to total assets | 84.1100% | 3,071 |
| Equity capital to assets | 9.6914% | 2,003 |
| Core capital (leverage) ratio | 10.3431% | 2,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1586% | 2,326 |
| Memoranda: | ||
| Average total assets | $824,854,000 | 1,172 |
| Average earning assets | $753,737,000 | 1,178 |
| Average equity | $81,151,500 | 1,124 |
| Average total loans | $615,046,000 | 1,071 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5207% | 693 |
| Cost of funding earning assets | 0.4818% | 1,518 |
| Net interest margin | 4.0389% | 739 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 2.2876% | 2,777 |
| Loan and lease loss provision to assets | 0.9100% | 47 |
| Net operating income to assets | 0.9148% | 2,896 |
| Return on assets (ROA) | 0.9173% | 2,833 |
| Pretax return on assets | 0.9173% | 3,303 |
| Return on Equity (ROE) | 9.8900% | 2,843 |
| Retained earnings to average equity (ytd only) | 3.8747% | 3,440 |
| Net charge-offs to loans | 1.0054% | 66 |
| Credit loss provision to net charge-offs | 131.5029% | 1,397 |
| Earnings coverage of net charge-offs (x) | 2.6404% | 2,496 |
| Efficiency ratio | 55.6587% | 3,613 |
| Assets per employee ($millions) | 6.8171% | 2,104 |
| Cash dividends to net income (ytd only)* | 60.8034% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7761% | 689 |
| Loan loss allowance to noncurrent loans | 77.1445% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 1.7536% | 155 |
| Noncurrent loans to loans | 2.3023% | 220 |
| Net loans and leases to total assets | 74.8100% | 1,145 |
| Net loans and leases to deposits | 84.2808% | 1,447 |
| Net loans and leases to core deposits | 90.0959% | 1,500 |
| Total domestic deposits to total assets | 88.7700% | 1,791 |
| Equity capital to assets | 9.9926% | 1,708 |
| Core capital (leverage) ratio | 9.8338% | 2,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8457% | 2,435 |
| Memoranda: | ||
| Average total assets | $852,200,600 | 1,132 |
| Average earning assets | $787,250,600 | 1,125 |
| Average equity | $79,077,800 | 1,143 |
| Average total loans | $585,065,600 | 1,051 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1633% | 952 |
| Cost of funding earning assets | 0.3824% | 1,423 |
| Net interest margin | 3.7809% | 977 |
| Noninterest income to average assets | 0.3500% | 3,046 |
| Noninterest expense to average assets | 2.1690% | 3,009 |
| Loan and lease loss provision to assets | 1.1900% | 31 |
| Net operating income to assets | 0.4950% | 4,087 |
| Return on assets (ROA) | 0.4982% | 4,025 |
| Pretax return on assets | 0.4982% | 4,150 |
| Return on Equity (ROE) | 5.4700% | 3,886 |
| Retained earnings to average equity (ytd only) | -0.3132% | 4,373 |
| Net charge-offs to loans | 1.3555% | 40 |
| Credit loss provision to net charge-offs | 131.5924% | 1,173 |
| Earnings coverage of net charge-offs (x) | 1.8617% | 2,263 |
| Efficiency ratio | 56.2298% | 3,607 |
| Assets per employee ($millions) | 7.3683% | 1,697 |
| Cash dividends to net income (ytd only)* | 105.7293% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8178% | 706 |
| Loan loss allowance to noncurrent loans | 66.0759% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 1.9275% | 139 |
| Noncurrent loans to loans | 2.7511% | 183 |
| Net loans and leases to total assets | 68.7900% | 1,584 |
| Net loans and leases to deposits | 76.3934% | 1,842 |
| Net loans and leases to core deposits | 80.4014% | 1,873 |
| Total domestic deposits to total assets | 90.0500% | 1,635 |
| Equity capital to assets | 8.6599% | 2,435 |
| Core capital (leverage) ratio | 9.1534% | 3,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4450% | 2,671 |
| Memoranda: | ||
| Average total assets | $864,147,750 | 1,126 |
| Average earning assets | $800,526,000 | 1,115 |
| Average equity | $78,751,750 | 1,163 |
| Average total loans | $578,157,500 | 1,058 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8714% | 1,168 |
| Cost of funding earning assets | 0.3652% | 1,151 |
| Net interest margin | 3.5062% | 1,299 |
| Noninterest income to average assets | 0.3571% | 3,009 |
| Noninterest expense to average assets | 2.0958% | 3,160 |
| Loan and lease loss provision to assets | 1.7797% | 18 |
| Net operating income to assets | -0.2621% | 4,649 |
| Return on assets (ROA) | -0.2621% | 4,626 |
| Pretax return on assets | -0.2621% | 4,614 |
| Return on Equity (ROE) | -2.7680% | 4,636 |
| Retained earnings to average equity (ytd only) | -6.8314% | 4,589 |
| Net charge-offs to loans | 2.0582% | 28 |
| Credit loss provision to net charge-offs | 131.1239% | 1,152 |
| Earnings coverage of net charge-offs (x) | 1.1182% | 2,079 |
| Efficiency ratio | 58.0006% | 3,559 |
| Assets per employee ($millions) | 7.5500% | 1,579 |
| Cash dividends to net income (ytd only)* | -146.7954% | 4,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8378% | 759 |
| Loan loss allowance to noncurrent loans | 63.4935% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 1.9709% | 143 |
| Noncurrent loans to loans | 2.8945% | 177 |
| Net loans and leases to total assets | 66.8377% | 1,600 |
| Net loans and leases to deposits | 73.8061% | 1,887 |
| Net loans and leases to core deposits | 77.8515% | 1,864 |
| Total domestic deposits to total assets | 90.5586% | 1,437 |
| Equity capital to assets | 8.6928% | 2,618 |
| Core capital (leverage) ratio | 8.7254% | 3,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1151% | 2,784 |
| Memoranda: | ||
| Average total assets | $869,255,667 | 1,114 |
| Average earning assets | $807,304,667 | 1,115 |
| Average equity | $82,296,333 | 1,132 |
| Average total loans | $573,227,333 | 1,056 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7685% | 1,144 |
| Cost of funding earning assets | 0.3711% | 1,050 |
| Net interest margin | 3.3974% | 1,303 |
| Noninterest income to average assets | 0.2856% | 3,418 |
| Noninterest expense to average assets | 2.0521% | 3,294 |
| Loan and lease loss provision to assets | 0.8439% | 48 |
| Net operating income to assets | 0.5514% | 3,554 |
| Return on assets (ROA) | 0.5514% | 3,530 |
| Pretax return on assets | 0.5514% | 3,748 |
| Return on Equity (ROE) | 5.5958% | 3,451 |
| Retained earnings to average equity (ytd only) | -2.2075% | 4,262 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5251% | 3,533 |
| Assets per employee ($millions) | 7.6575% | 1,580 |
| Cash dividends to net income (ytd only)* | 139.4495% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9278% | 703 |
| Loan loss allowance to noncurrent loans | 70.2353% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 1.7719% | 179 |
| Noncurrent loans to loans | 2.7448% | 203 |
| Net loans and leases to total assets | 63.3098% | 1,708 |
| Net loans and leases to deposits | 70.4441% | 1,926 |
| Net loans and leases to core deposits | 74.5252% | 1,898 |
| Total domestic deposits to total assets | 89.8725% | 1,642 |
| Equity capital to assets | 9.5008% | 2,283 |
| Core capital (leverage) ratio | 9.2930% | 3,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9875% | 2,612 |
| Memoranda: | ||
| Average total assets | $869,757,500 | 1,116 |
| Average earning assets | $809,440,000 | 1,113 |
| Average equity | $85,707,000 | 1,133 |
| Average total loans | $564,248,500 | 1,063 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0186% | 1,317 |
| Cost of funding earning assets | 0.5215% | 838 |
| Net interest margin | 3.4971% | 1,742 |
| Noninterest income to average assets | 0.3461% | 3,353 |
| Noninterest expense to average assets | 2.0769% | 3,451 |
| Loan and lease loss provision to assets | -0.0649% | 4,421 |
| Net operating income to assets | 1.5846% | 849 |
| Return on assets (ROA) | 1.5846% | 883 |
| Pretax return on assets | 1.5846% | 1,468 |
| Return on Equity (ROE) | 15.3985% | 862 |
| Retained earnings to average equity (ytd only) | 7.7579% | 1,638 |
| Net charge-offs to loans | -0.1808% | 4,691 |
| Credit loss provision to net charge-offs | 54.5639% | 2,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7453% | 3,481 |
| Assets per employee ($millions) | 7.5353% | 1,602 |
| Cash dividends to net income (ytd only)* | 49.6193% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5982% | 1,260 |
| Loan loss allowance to noncurrent loans | 318.7081% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.3269% | 1,927 |
| Noncurrent loans to loans | 0.5014% | 1,870 |
| Net loans and leases to total assets | 64.1545% | 1,681 |
| Net loans and leases to deposits | 72.0083% | 1,908 |
| Net loans and leases to core deposits | 76.6776% | 1,860 |
| Total domestic deposits to total assets | 89.0933% | 1,459 |
| Equity capital to assets | 10.2101% | 2,459 |
| Core capital (leverage) ratio | 9.3680% | 2,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3833% | 2,495 |
| Memoranda: | ||
| Average total assets | $828,706,200 | 1,123 |
| Average earning assets | $770,269,800 | 1,130 |
| Average equity | $85,281,200 | 1,146 |
| Average total loans | $545,232,800 | 1,091 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0918% | 1,322 |
| Cost of funding earning assets | 0.5630% | 776 |
| Net interest margin | 3.5288% | 1,789 |
| Noninterest income to average assets | 0.3650% | 3,271 |
| Noninterest expense to average assets | 2.0290% | 3,590 |
| Loan and lease loss provision to assets | 0.0322% | 2,351 |
| Net operating income to assets | 1.5826% | 1,074 |
| Return on assets (ROA) | 1.5826% | 1,120 |
| Pretax return on assets | 1.5826% | 1,758 |
| Return on Equity (ROE) | 15.3464% | 1,076 |
| Retained earnings to average equity (ytd only) | 7.5880% | 2,184 |
| Net charge-offs to loans | 0.0044% | 2,177 |
| Credit loss provision to net charge-offs | 1,100.0000% | 490 |
| Earnings coverage of net charge-offs (x) | 551.2222% | 273 |
| Efficiency ratio | 55.6836% | 3,564 |
| Assets per employee ($millions) | 7.5166% | 1,559 |
| Cash dividends to net income (ytd only)* | 50.5553% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6121% | 1,309 |
| Loan loss allowance to noncurrent loans | 261.0548% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 0.4022% | 1,840 |
| Noncurrent loans to loans | 0.6175% | 1,768 |
| Net loans and leases to total assets | 64.0859% | 1,766 |
| Net loans and leases to deposits | 72.2485% | 2,028 |
| Net loans and leases to core deposits | 77.3291% | 1,931 |
| Total domestic deposits to total assets | 88.7020% | 1,457 |
| Equity capital to assets | 10.3804% | 2,545 |
| Core capital (leverage) ratio | 9.4594% | 3,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6742% | 2,481 |
| Memoranda: | ||
| Average total assets | $819,243,750 | 1,138 |
| Average earning assets | $761,182,000 | 1,145 |
| Average equity | $84,482,500 | 1,173 |
| Average total loans | $540,300,000 | 1,119 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1794% | 1,219 |
| Cost of funding earning assets | 0.6166% | 681 |
| Net interest margin | 3.5628% | 1,678 |
| Noninterest income to average assets | 0.3955% | 3,126 |
| Noninterest expense to average assets | 2.0275% | 3,611 |
| Loan and lease loss provision to assets | 0.0486% | 2,053 |
| Net operating income to assets | 1.6261% | 996 |
| Return on assets (ROA) | 1.6261% | 1,050 |
| Pretax return on assets | 1.6261% | 1,666 |
| Return on Equity (ROE) | 15.8044% | 991 |
| Retained earnings to average equity (ytd only) | 7.9213% | 2,106 |
| Net charge-offs to loans | 0.0030% | 2,082 |
| Credit loss provision to net charge-offs | 2,475.0000% | 252 |
| Earnings coverage of net charge-offs (x) | 852.2500% | 159 |
| Efficiency ratio | 54.7638% | 3,705 |
| Assets per employee ($millions) | 7.4307% | 1,520 |
| Cash dividends to net income (ytd only)* | 49.8792% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5975% | 1,277 |
| Loan loss allowance to noncurrent loans | 245.2055% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 0.4298% | 1,899 |
| Noncurrent loans to loans | 0.6515% | 1,788 |
| Net loans and leases to total assets | 64.9199% | 1,838 |
| Net loans and leases to deposits | 73.0481% | 2,105 |
| Net loans and leases to core deposits | 78.3497% | 2,021 |
| Total domestic deposits to total assets | 88.8728% | 1,344 |
| Equity capital to assets | 10.2725% | 2,602 |
| Core capital (leverage) ratio | 9.3087% | 3,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6344% | 2,503 |
| Memoranda: | ||
| Average total assets | $814,210,333 | 1,135 |
| Average earning assets | $755,698,667 | 1,144 |
| Average equity | $83,774,000 | 1,174 |
| Average total loans | $539,247,333 | 1,125 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3310% | 997 |
| Cost of funding earning assets | 0.6643% | 633 |
| Net interest margin | 3.6666% | 1,410 |
| Noninterest income to average assets | 0.2832% | 3,705 |
| Noninterest expense to average assets | 2.0482% | 3,567 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6349% | 1,049 |
| Return on assets (ROA) | 1.6349% | 1,102 |
| Pretax return on assets | 1.6349% | 1,636 |
| Return on Equity (ROE) | 15.8765% | 1,044 |
| Retained earnings to average equity (ytd only) | 7.8490% | 2,298 |
| Net charge-offs to loans | -0.0052% | 3,412 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6110% | 3,585 |
| Assets per employee ($millions) | 7.5840% | 1,405 |
| Cash dividends to net income (ytd only)* | 50.5621% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6058% | 1,280 |
| Loan loss allowance to noncurrent loans | 509.3713% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.2084% | 3,110 |
| Noncurrent loans to loans | 0.3152% | 2,972 |
| Net loans and leases to total assets | 64.2477% | 2,012 |
| Net loans and leases to deposits | 72.1225% | 2,299 |
| Net loans and leases to core deposits | 77.6432% | 2,215 |
| Total domestic deposits to total assets | 89.0814% | 1,301 |
| Equity capital to assets | 10.1676% | 2,543 |
| Core capital (leverage) ratio | 9.2824% | 3,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9436% | 2,309 |
| Memoranda: | ||
| Average total assets | $805,195,000 | 1,133 |
| Average earning assets | $746,623,000 | 1,146 |
| Average equity | $82,915,000 | 1,176 |
| Average total loans | $534,340,500 | 1,136 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6773% | 934 |
| Cost of funding earning assets | 0.8879% | 889 |
| Net interest margin | 3.7894% | 1,530 |
| Noninterest income to average assets | 0.3266% | 3,505 |
| Noninterest expense to average assets | 2.3949% | 3,146 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.4222% | 972 |
| Return on assets (ROA) | 1.4222% | 1,054 |
| Pretax return on assets | 1.4222% | 1,590 |
| Return on Equity (ROE) | 13.2853% | 969 |
| Retained earnings to average equity (ytd only) | 4.6125% | 2,473 |
| Net charge-offs to loans | -0.0459% | 4,647 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7416% | 3,012 |
| Assets per employee ($millions) | 7.1938% | 1,448 |
| Cash dividends to net income (ytd only)* | 65.2814% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6074% | 1,277 |
| Loan loss allowance to noncurrent loans | 476.7222% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.2308% | 3,132 |
| Noncurrent loans to loans | 0.3372% | 2,996 |
| Net loans and leases to total assets | 66.3800% | 2,038 |
| Net loans and leases to deposits | 79.4518% | 1,931 |
| Net loans and leases to core deposits | 86.2143% | 1,852 |
| Total domestic deposits to total assets | 83.5475% | 3,247 |
| Equity capital to assets | 10.4319% | 2,729 |
| Core capital (leverage) ratio | 9.3346% | 3,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6029% | 2,399 |
| Memoranda: | ||
| Average total assets | $749,558,400 | 1,107 |
| Average earning assets | $690,423,800 | 1,114 |
| Average equity | $80,238,800 | 1,157 |
| Average total loans | $520,371,000 | 1,102 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8911% | 741 |
| Cost of funding earning assets | 0.9285% | 965 |
| Net interest margin | 3.9626% | 1,206 |
| Noninterest income to average assets | 0.3348% | 3,479 |
| Noninterest expense to average assets | 2.2585% | 3,533 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.7207% | 554 |
| Return on assets (ROA) | 1.7207% | 615 |
| Pretax return on assets | 1.7207% | 926 |
| Return on Equity (ROE) | 15.9656% | 549 |
| Retained earnings to average equity (ytd only) | 7.0581% | 1,665 |
| Net charge-offs to loans | -0.0624% | 4,732 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7569% | 3,825 |
| Assets per employee ($millions) | 7.2183% | 1,366 |
| Cash dividends to net income (ytd only)* | 55.7920% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6201% | 1,043 |
| Loan loss allowance to noncurrent loans | 509.4362% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.2116% | 3,386 |
| Noncurrent loans to loans | 0.3180% | 3,143 |
| Net loans and leases to total assets | 64.4772% | 2,708 |
| Net loans and leases to deposits | 79.2280% | 2,400 |
| Net loans and leases to core deposits | 85.4018% | 2,350 |
| Total domestic deposits to total assets | 81.3819% | 3,570 |
| Equity capital to assets | 10.2233% | 3,040 |
| Core capital (leverage) ratio | 9.4178% | 3,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0845% | 2,158 |
| Memoranda: | ||
| Average total assets | $739,117,750 | 1,108 |
| Average earning assets | $679,780,000 | 1,114 |
| Average equity | $79,661,000 | 1,155 |
| Average total loans | $516,998,750 | 1,099 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2082% | 562 |
| Cost of funding earning assets | 1.0002% | 988 |
| Net interest margin | 4.2079% | 902 |
| Noninterest income to average assets | 0.3631% | 3,308 |
| Noninterest expense to average assets | 2.3402% | 3,428 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.8832% | 413 |
| Return on assets (ROA) | 1.8832% | 458 |
| Pretax return on assets | 1.8832% | 690 |
| Return on Equity (ROE) | 17.1411% | 435 |
| Retained earnings to average equity (ytd only) | 11.7156% | 494 |
| Net charge-offs to loans | -0.0413% | 4,628 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4101% | 4,016 |
| Assets per employee ($millions) | 6.9674% | 1,454 |
| Cash dividends to net income (ytd only)* | 31.6523% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5652% | 1,091 |
| Loan loss allowance to noncurrent loans | 498.9959% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.2755% | 3,218 |
| Noncurrent loans to loans | 0.3137% | 3,262 |
| Net loans and leases to total assets | 68.0823% | 2,341 |
| Net loans and leases to deposits | 84.2782% | 1,973 |
| Net loans and leases to core deposits | 91.7034% | 1,929 |
| Total domestic deposits to total assets | 80.7828% | 3,661 |
| Equity capital to assets | 10.6078% | 2,656 |
| Core capital (leverage) ratio | 9.4791% | 3,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8664% | 2,237 |
| Memoranda: | ||
| Average total assets | $716,008,667 | 1,122 |
| Average earning assets | $656,854,333 | 1,129 |
| Average equity | $78,664,667 | 1,159 |
| Average total loans | $512,716,000 | 1,097 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1888% | 675 |
| Cost of funding earning assets | 1.0158% | 1,355 |
| Net interest margin | 4.1731% | 972 |
| Noninterest income to average assets | 0.4135% | 3,005 |
| Noninterest expense to average assets | 2.4345% | 3,462 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.7952% | 419 |
| Return on assets (ROA) | 1.7952% | 463 |
| Pretax return on assets | 1.7952% | 710 |
| Return on Equity (ROE) | 16.0244% | 417 |
| Retained earnings to average equity (ytd only) | 5.5921% | 2,033 |
| Net charge-offs to loans | -0.0096% | 4,065 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5577% | 4,063 |
| Assets per employee ($millions) | 6.3975% | 1,403 |
| Cash dividends to net income (ytd only)* | 65.1026% | 1,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6440% | 968 |
| Loan loss allowance to noncurrent loans | 506.6101% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.2633% | 3,405 |
| Noncurrent loans to loans | 0.3245% | 3,329 |
| Net loans and leases to total assets | 67.9345% | 2,548 |
| Net loans and leases to deposits | 90.3647% | 1,465 |
| Net loans and leases to core deposits | 99.2713% | 1,531 |
| Total domestic deposits to total assets | 75.1782% | 4,568 |
| Equity capital to assets | 10.3727% | 3,451 |
| Core capital (leverage) ratio | 11.0446% | 2,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7958% | 2,796 |
| Memoranda: | ||
| Average total assets | $683,836,500 | 1,138 |
| Average earning assets | $625,344,000 | 1,145 |
| Average equity | $76,608,000 | 1,180 |
| Average total loans | $499,209,000 | 1,098 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5913% | 485 |
| Cost of funding earning assets | 0.9834% | 1,795 |
| Net interest margin | 4.6079% | 562 |
| Noninterest income to average assets | 0.3786% | 3,436 |
| Noninterest expense to average assets | 2.6324% | 3,089 |
| Loan and lease loss provision to assets | -0.2220% | 5,125 |
| Net operating income to assets | 2.1288% | 258 |
| Return on assets (ROA) | 2.1384% | 268 |
| Pretax return on assets | 2.1384% | 434 |
| Return on Equity (ROE) | 17.4648% | 377 |
| Retained earnings to average equity (ytd only) | 7.1330% | 1,337 |
| Net charge-offs to loans | -0.0209% | 4,634 |
| Credit loss provision to net charge-offs | 1,393.7500% | 255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9923% | 3,962 |
| Assets per employee ($millions) | 5.5435% | 2,028 |
| Cash dividends to net income (ytd only)* | 59.1576% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7016% | 794 |
| Loan loss allowance to noncurrent loans | 4,995.2096% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.0720% | 4,272 |
| Noncurrent loans to loans | 0.0341% | 4,425 |
| Net loans and leases to total assets | 76.2578% | 1,364 |
| Net loans and leases to deposits | 87.8481% | 1,875 |
| Net loans and leases to core deposits | 96.1849% | 1,884 |
| Total domestic deposits to total assets | 86.8065% | 1,707 |
| Equity capital to assets | 12.1689% | 2,035 |
| Core capital (leverage) ratio | 11.0776% | 2,427 |
| Tier 1 risk-based capital ratio | 11.9568% | 4,386 |
| Total risk-based capital ratio | 13.2091% | 4,263 |
| Memoranda: | ||
| Average total assets | $602,825,000 | 1,221 |
| Average earning assets | $544,329,400 | 1,247 |
| Average equity | $73,811,400 | 1,167 |
| Average total loans | $458,308,200 | 1,144 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5375% | 556 |
| Cost of funding earning assets | 0.9331% | 2,071 |
| Net interest margin | 4.6043% | 615 |
| Noninterest income to average assets | 0.3772% | 3,457 |
| Noninterest expense to average assets | 2.6516% | 3,011 |
| Loan and lease loss provision to assets | -0.3040% | 5,229 |
| Net operating income to assets | 2.1777% | 279 |
| Return on assets (ROA) | 2.1907% | 286 |
| Pretax return on assets | 2.1907% | 458 |
| Return on Equity (ROE) | 17.8622% | 405 |
| Retained earnings to average equity (ytd only) | 7.5355% | 1,603 |
| Net charge-offs to loans | 0.0050% | 3,213 |
| Credit loss provision to net charge-offs | -7,988.2353% | 4,668 |
| Earnings coverage of net charge-offs (x) | 492.2095% | 201 |
| Efficiency ratio | 58.5960% | 3,850 |
| Assets per employee ($millions) | 5.5041% | 2,030 |
| Cash dividends to net income (ytd only)* | 57.8130% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8197% | 654 |
| Loan loss allowance to noncurrent loans | 13,913.5593% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.0998% | 4,214 |
| Noncurrent loans to loans | 0.0131% | 4,617 |
| Net loans and leases to total assets | 69.9714% | 2,478 |
| Net loans and leases to deposits | 80.7083% | 2,832 |
| Net loans and leases to core deposits | 87.9584% | 2,737 |
| Total domestic deposits to total assets | 86.6967% | 1,682 |
| Equity capital to assets | 11.9993% | 2,259 |
| Core capital (leverage) ratio | 11.3270% | 2,358 |
| Tier 1 risk-based capital ratio | 12.5086% | 4,140 |
| Total risk-based capital ratio | 13.7616% | 4,010 |
| Memoranda: | ||
| Average total assets | $595,542,250 | 1,234 |
| Average earning assets | $536,525,750 | 1,264 |
| Average equity | $73,038,750 | 1,172 |
| Average total loans | $450,320,750 | 1,160 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5844% | 483 |
| Cost of funding earning assets | 0.8746% | 2,277 |
| Net interest margin | 4.7097% | 483 |
| Noninterest income to average assets | 0.4099% | 3,213 |
| Noninterest expense to average assets | 2.7465% | 2,764 |
| Loan and lease loss provision to assets | -0.4658% | 5,291 |
| Net operating income to assets | 2.3812% | 182 |
| Return on assets (ROA) | 2.3850% | 187 |
| Pretax return on assets | 2.3850% | 295 |
| Return on Equity (ROE) | 19.2958% | 297 |
| Retained earnings to average equity (ytd only) | 9.0970% | 1,004 |
| Net charge-offs to loans | 0.0347% | 2,170 |
| Credit loss provision to net charge-offs | -1,741.0256% | 4,363 |
| Earnings coverage of net charge-offs (x) | 71.5897% | 880 |
| Efficiency ratio | 58.9140% | 3,877 |
| Assets per employee ($millions) | 5.1799% | 2,276 |
| Cash dividends to net income (ytd only)* | 52.8549% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8429% | 633 |
| Loan loss allowance to noncurrent loans | 875.1880% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.3581% | 3,101 |
| Noncurrent loans to loans | 0.2106% | 3,788 |
| Net loans and leases to total assets | 72.8527% | 2,090 |
| Net loans and leases to deposits | 85.2308% | 2,347 |
| Net loans and leases to core deposits | 91.6454% | 2,446 |
| Total domestic deposits to total assets | 85.4770% | 2,273 |
| Equity capital to assets | 12.5245% | 1,843 |
| Core capital (leverage) ratio | 11.6714% | 2,044 |
| Tier 1 risk-based capital ratio | 12.8197% | 3,932 |
| Total risk-based capital ratio | 14.0733% | 3,834 |
| Memoranda: | ||
| Average total assets | $583,064,330 | 1,253 |
| Average earning assets | $526,398,000 | 1,282 |
| Average equity | $72,067,330 | 1,183 |
| Average total loans | $450,057,330 | 1,164 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3878% | 650 |
| Cost of funding earning assets | 0.8146% | 2,448 |
| Net interest margin | 4.5732% | 648 |
| Noninterest income to average assets | 0.4286% | 2,987 |
| Noninterest expense to average assets | 2.7388% | 2,782 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.8171% | 559 |
| Return on assets (ROA) | 1.8171% | 576 |
| Pretax return on assets | 1.8171% | 946 |
| Return on Equity (ROE) | 14.8028% | 790 |
| Retained earnings to average equity (ytd only) | 4.5821% | 3,090 |
| Net charge-offs to loans | -0.0370% | 4,729 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1157% | 3,793 |
| Assets per employee ($millions) | 5.0983% | 2,402 |
| Cash dividends to net income (ytd only)* | 69.0458% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1038% | 418 |
| Loan loss allowance to noncurrent loans | 293.2074% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.7148% | 1,967 |
| Noncurrent loans to loans | 0.7175% | 2,226 |
| Net loans and leases to total assets | 76.4003% | 1,414 |
| Net loans and leases to deposits | 90.6929% | 1,544 |
| Net loans and leases to core deposits | 96.5246% | 1,892 |
| Total domestic deposits to total assets | 84.2406% | 2,967 |
| Equity capital to assets | 12.2009% | 1,903 |
| Core capital (leverage) ratio | 11.5345% | 2,115 |
| Tier 1 risk-based capital ratio | 12.5530% | 4,133 |
| Total risk-based capital ratio | 13.8105% | 4,007 |
| Memoranda: | ||
| Average total assets | $576,752,500 | 1,264 |
| Average earning assets | $520,511,000 | 1,296 |
| Average equity | $70,797,500 | 1,198 |
| Average total loans | $454,024,500 | 1,165 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3938% | 485 |
| Cost of funding earning assets | 0.5775% | 2,873 |
| Net interest margin | 4.8163% | 385 |
| Noninterest income to average assets | 0.4731% | 2,981 |
| Noninterest expense to average assets | 2.7666% | 2,801 |
| Loan and lease loss provision to assets | 0.8025% | 125 |
| Net operating income to assets | 1.2397% | 2,016 |
| Return on assets (ROA) | 1.2397% | 2,007 |
| Pretax return on assets | 1.2397% | 2,741 |
| Return on Equity (ROE) | 9.4840% | 2,754 |
| Retained earnings to average equity (ytd only) | -0.4040% | 5,030 |
| Net charge-offs to loans | 0.7794% | 198 |
| Credit loss provision to net charge-offs | 135.9766% | 1,964 |
| Earnings coverage of net charge-offs (x) | 3.4604% | 3,410 |
| Efficiency ratio | 57.5318% | 4,208 |
| Assets per employee ($millions) | 5.0643% | 2,415 |
| Cash dividends to net income (ytd only)* | 104.2597% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1277% | 382 |
| Loan loss allowance to noncurrent loans | 277.8261% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.6916% | 2,002 |
| Noncurrent loans to loans | 0.7658% | 2,086 |
| Net loans and leases to total assets | 77.7326% | 1,317 |
| Net loans and leases to deposits | 91.6061% | 1,597 |
| Net loans and leases to core deposits | 97.3848% | 1,929 |
| Total domestic deposits to total assets | 84.8553% | 2,706 |
| Equity capital to assets | 12.3520% | 1,666 |
| Core capital (leverage) ratio | 11.3377% | 2,236 |
| Tier 1 risk-based capital ratio | 12.6199% | 4,062 |
| Total risk-based capital ratio | 13.8776% | 3,942 |
| Memoranda: | ||
| Average total assets | $549,156,400 | 1,294 |
| Average earning assets | $494,365,400 | 1,328 |
| Average equity | $71,784,200 | 1,139 |
| Average total loans | $415,815,200 | 1,215 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3064% | 519 |
| Cost of funding earning assets | 0.5035% | 3,177 |
| Net interest margin | 4.8030% | 376 |
| Noninterest income to average assets | 0.4783% | 2,994 |
| Noninterest expense to average assets | 2.7540% | 2,801 |
| Loan and lease loss provision to assets | 0.1212% | 1,666 |
| Net operating income to assets | 1.9212% | 459 |
| Return on assets (ROA) | 1.9212% | 458 |
| Pretax return on assets | 1.9212% | 783 |
| Return on Equity (ROE) | 14.4897% | 987 |
| Retained earnings to average equity (ytd only) | 5.3210% | 3,045 |
| Net charge-offs to loans | 0.1068% | 1,419 |
| Credit loss provision to net charge-offs | 151.8405% | 1,687 |
| Earnings coverage of net charge-offs (x) | 25.5918% | 1,773 |
| Efficiency ratio | 57.4185% | 4,196 |
| Assets per employee ($millions) | 4.9146% | 2,577 |
| Cash dividends to net income (ytd only)* | 63.2773% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9619% | 521 |
| Loan loss allowance to noncurrent loans | 805.5347% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.2759% | 3,582 |
| Noncurrent loans to loans | 0.2435% | 3,824 |
| Net loans and leases to total assets | 75.2696% | 1,765 |
| Net loans and leases to deposits | 91.6883% | 1,660 |
| Net loans and leases to core deposits | 96.8630% | 2,038 |
| Total domestic deposits to total assets | 82.0929% | 3,583 |
| Equity capital to assets | 12.7441% | 1,441 |
| Core capital (leverage) ratio | 12.3888% | 1,563 |
| Tier 1 risk-based capital ratio | 13.5613% | 3,596 |
| Total risk-based capital ratio | 14.8171% | 3,502 |
| Memoranda: | ||
| Average total assets | $544,645,000 | 1,303 |
| Average earning assets | $489,656,750 | 1,341 |
| Average equity | $72,215,000 | 1,126 |
| Average total loans | $407,147,500 | 1,237 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1232% | 634 |
| Cost of funding earning assets | 0.4786% | 3,167 |
| Net interest margin | 4.6446% | 502 |
| Noninterest income to average assets | 0.4778% | 2,987 |
| Noninterest expense to average assets | 2.7197% | 2,944 |
| Loan and lease loss provision to assets | 0.0448% | 3,006 |
| Net operating income to assets | 1.8942% | 476 |
| Return on assets (ROA) | 1.8942% | 471 |
| Pretax return on assets | 1.8942% | 784 |
| Return on Equity (ROE) | 14.0921% | 1,053 |
| Retained earnings to average equity (ytd only) | 5.7084% | 2,721 |
| Net charge-offs to loans | 0.1728% | 902 |
| Credit loss provision to net charge-offs | 34.9854% | 2,602 |
| Earnings coverage of net charge-offs (x) | 15.1545% | 2,059 |
| Efficiency ratio | 58.3794% | 4,174 |
| Assets per employee ($millions) | 4.4850% | 3,147 |
| Cash dividends to net income (ytd only)* | 59.4919% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0128% | 509 |
| Loan loss allowance to noncurrent loans | 293.4121% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 0.6474% | 2,287 |
| Noncurrent loans to loans | 0.6860% | 2,393 |
| Net loans and leases to total assets | 76.0272% | 1,637 |
| Net loans and leases to deposits | 89.4416% | 1,919 |
| Net loans and leases to core deposits | 95.3777% | 2,117 |
| Total domestic deposits to total assets | 85.0021% | 2,673 |
| Equity capital to assets | 13.7853% | 999 |
| Core capital (leverage) ratio | 12.5725% | 1,397 |
| Tier 1 risk-based capital ratio | 14.9900% | 2,880 |
| Total risk-based capital ratio | 16.2473% | 2,797 |
| Memoranda: | ||
| Average total assets | $536,162,670 | 1,326 |
| Average earning assets | $482,626,330 | 1,369 |
| Average equity | $72,069,000 | 1,129 |
| Average total loans | $396,965,670 | 1,266 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0025% | 699 |
| Cost of funding earning assets | 0.4611% | 3,117 |
| Net interest margin | 4.5414% | 564 |
| Noninterest income to average assets | 0.4724% | 2,986 |
| Noninterest expense to average assets | 2.6589% | 3,162 |
| Loan and lease loss provision to assets | 0.0369% | 3,008 |
| Net operating income to assets | 1.8846% | 469 |
| Return on assets (ROA) | 1.8846% | 474 |
| Pretax return on assets | 1.8846% | 755 |
| Return on Equity (ROE) | 14.1961% | 967 |
| Retained earnings to average equity (ytd only) | 14.1961% | 394 |
| Net charge-offs to loans | 0.1521% | 921 |
| Credit loss provision to net charge-offs | 33.5570% | 2,046 |
| Earnings coverage of net charge-offs (x) | 17.4698% | 1,579 |
| Efficiency ratio | 58.0500% | 4,330 |
| Assets per employee ($millions) | 4.7510% | 2,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1598% | 417 |
| Loan loss allowance to noncurrent loans | 176.3085% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.9947% | 1,580 |
| Noncurrent loans to loans | 1.2250% | 1,481 |
| Net loans and leases to total assets | 70.2025% | 2,451 |
| Net loans and leases to deposits | 82.0550% | 2,586 |
| Net loans and leases to core deposits | 88.6566% | 2,573 |
| Total domestic deposits to total assets | 85.5555% | 2,728 |
| Equity capital to assets | 13.5707% | 1,023 |
| Core capital (leverage) ratio | 12.5984% | 1,347 |
| Tier 1 risk-based capital ratio | 15.6013% | 2,628 |
| Total risk-based capital ratio | 16.8596% | 2,572 |
| Memoranda: | ||
| Average total assets | $541,873,500 | 1,322 |
| Average earning assets | $490,153,000 | 1,347 |
| Average equity | $71,935,000 | 1,137 |
| Average total loans | $391,878,000 | 1,280 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0930% | 540 |
| Cost of funding earning assets | 0.4188% | 3,065 |
| Net interest margin | 4.6742% | 441 |
| Noninterest income to average assets | 0.5727% | 2,590 |
| Noninterest expense to average assets | 2.6938% | 3,144 |
| Loan and lease loss provision to assets | 0.0782% | 2,632 |
| Net operating income to assets | 2.0246% | 268 |
| Return on assets (ROA) | 2.0246% | 272 |
| Pretax return on assets | 2.0246% | 462 |
| Return on Equity (ROE) | 15.4426% | 552 |
| Retained earnings to average equity (ytd only) | 4.3908% | 2,523 |
| Net charge-offs to loans | -0.0322% | 5,077 |
| Credit loss provision to net charge-offs | -324.2188% | 4,874 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0734% | 4,764 |
| Assets per employee ($millions) | 4.7555% | 2,795 |
| Cash dividends to net income (ytd only)* | 71.5669% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1125% | 437 |
| Loan loss allowance to noncurrent loans | 216.0380% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 0.8236% | 1,894 |
| Noncurrent loans to loans | 0.9778% | 1,811 |
| Net loans and leases to total assets | 71.3361% | 2,333 |
| Net loans and leases to deposits | 82.7685% | 2,636 |
| Net loans and leases to core deposits | 88.3432% | 2,695 |
| Total domestic deposits to total assets | 86.1874% | 2,355 |
| Equity capital to assets | 12.9851% | 1,273 |
| Core capital (leverage) ratio | 11.8744% | 1,679 |
| Tier 1 risk-based capital ratio | 14.8220% | 2,914 |
| Total risk-based capital ratio | 16.0803% | 2,854 |
| Memoranda: | ||
| Average total assets | $530,513,400 | 1,328 |
| Average earning assets | $479,424,000 | 1,358 |
| Average equity | $69,554,200 | 1,144 |
| Average total loans | $397,621,400 | 1,238 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1107% | 493 |
| Cost of funding earning assets | 0.4020% | 3,169 |
| Net interest margin | 4.7087% | 401 |
| Noninterest income to average assets | 0.5749% | 2,607 |
| Noninterest expense to average assets | 2.7078% | 3,037 |
| Loan and lease loss provision to assets | 0.0785% | 2,516 |
| Net operating income to assets | 2.0485% | 289 |
| Return on assets (ROA) | 2.0485% | 295 |
| Pretax return on assets | 2.0485% | 497 |
| Return on Equity (ROE) | 15.5858% | 576 |
| Retained earnings to average equity (ytd only) | 4.4938% | 3,226 |
| Net charge-offs to loans | -0.0265% | 4,955 |
| Credit loss provision to net charge-offs | -392.4051% | 4,750 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8908% | 4,756 |
| Assets per employee ($millions) | 4.6174% | 2,948 |
| Cash dividends to net income (ytd only)* | 71.1671% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0585% | 513 |
| Loan loss allowance to noncurrent loans | 202.8971% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 0.8642% | 1,988 |
| Noncurrent loans to loans | 1.0145% | 1,918 |
| Net loans and leases to total assets | 73.4091% | 2,022 |
| Net loans and leases to deposits | 85.6875% | 2,340 |
| Net loans and leases to core deposits | 91.4042% | 2,501 |
| Total domestic deposits to total assets | 85.6707% | 2,442 |
| Equity capital to assets | 13.1760% | 1,306 |
| Core capital (leverage) ratio | 12.2889% | 1,519 |
| Tier 1 risk-based capital ratio | 14.7955% | 3,015 |
| Total risk-based capital ratio | 16.0537% | 2,943 |
| Memoranda: | ||
| Average total assets | $526,422,000 | 1,344 |
| Average earning assets | $476,241,750 | 1,377 |
| Average equity | $69,189,500 | 1,159 |
| Average total loans | $397,391,500 | 1,249 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1714% | 418 |
| Cost of funding earning assets | 0.3887% | 3,196 |
| Net interest margin | 4.7827% | 334 |
| Noninterest income to average assets | 0.5675% | 2,619 |
| Noninterest expense to average assets | 2.7014% | 3,083 |
| Loan and lease loss provision to assets | 0.1185% | 1,732 |
| Net operating income to assets | 2.0735% | 268 |
| Return on assets (ROA) | 2.0735% | 274 |
| Pretax return on assets | 2.0735% | 471 |
| Return on Equity (ROE) | 15.7898% | 557 |
| Retained earnings to average equity (ytd only) | 4.4436% | 3,068 |
| Net charge-offs to loans | -0.0525% | 5,198 |
| Credit loss provision to net charge-offs | -298.0769% | 4,548 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0722% | 4,917 |
| Assets per employee ($millions) | 4.6035% | 2,938 |
| Cash dividends to net income (ytd only)* | 71.8577% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1169% | 495 |
| Loan loss allowance to noncurrent loans | 193.2168% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 0.9333% | 1,884 |
| Noncurrent loans to loans | 1.0956% | 1,788 |
| Net loans and leases to total assets | 73.0328% | 2,036 |
| Net loans and leases to deposits | 85.1933% | 2,326 |
| Net loans and leases to core deposits | 90.4740% | 2,480 |
| Total domestic deposits to total assets | 85.7260% | 2,516 |
| Equity capital to assets | 13.3212% | 1,218 |
| Core capital (leverage) ratio | 12.2086% | 1,526 |
| Tier 1 risk-based capital ratio | 15.0670% | 2,897 |
| Total risk-based capital ratio | 16.3260% | 2,830 |
| Memoranda: | ||
| Average total assets | $523,354,670 | 1,356 |
| Average earning assets | $473,371,000 | 1,388 |
| Average equity | $68,728,000 | 1,169 |
| Average total loans | $396,035,000 | 1,250 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4147% | 264 |
| Cost of funding earning assets | 0.3834% | 3,167 |
| Net interest margin | 5.0313% | 214 |
| Noninterest income to average assets | 0.4906% | 3,043 |
| Noninterest expense to average assets | 2.6573% | 3,286 |
| Loan and lease loss provision to assets | 0.1454% | 1,288 |
| Net operating income to assets | 2.2379% | 213 |
| Return on assets (ROA) | 2.2379% | 218 |
| Pretax return on assets | 2.2379% | 332 |
| Return on Equity (ROE) | 17.1654% | 400 |
| Retained earnings to average equity (ytd only) | 5.5359% | 2,576 |
| Net charge-offs to loans | -0.0924% | 5,426 |
| Credit loss provision to net charge-offs | -206.5217% | 4,046 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5812% | 5,240 |
| Assets per employee ($millions) | 4.7352% | 2,787 |
| Cash dividends to net income (ytd only)* | 67.7497% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0914% | 565 |
| Loan loss allowance to noncurrent loans | 209.0466% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 0.9335% | 1,972 |
| Noncurrent loans to loans | 1.0004% | 2,049 |
| Net loans and leases to total assets | 71.3675% | 2,158 |
| Net loans and leases to deposits | 85.3651% | 2,103 |
| Net loans and leases to core deposits | 89.9980% | 2,348 |
| Total domestic deposits to total assets | 83.6027% | 3,624 |
| Equity capital to assets | 12.8558% | 1,321 |
| Core capital (leverage) ratio | 12.0290% | 1,609 |
| Tier 1 risk-based capital ratio | 14.7688% | 3,086 |
| Total risk-based capital ratio | 16.0271% | 2,999 |
| Memoranda: | ||
| Average total assets | $522,631,500 | 1,363 |
| Average earning assets | $472,638,000 | 1,400 |
| Average equity | $68,137,000 | 1,174 |
| Average total loans | $398,269,500 | 1,247 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0468% | 546 |
| Cost of funding earning assets | 0.3626% | 3,387 |
| Net interest margin | 4.6842% | 435 |
| Noninterest income to average assets | 0.5391% | 2,983 |
| Noninterest expense to average assets | 2.6177% | 3,624 |
| Loan and lease loss provision to assets | 0.1031% | 2,323 |
| Net operating income to assets | 2.0395% | 292 |
| Return on assets (ROA) | 2.0438% | 300 |
| Pretax return on assets | 2.0438% | 450 |
| Return on Equity (ROE) | 15.5372% | 556 |
| Retained earnings to average equity (ytd only) | 4.2107% | 2,913 |
| Net charge-offs to loans | 0.0005% | 4,271 |
| Credit loss provision to net charge-offs | 26,450.0000% | 6 |
| Earnings coverage of net charge-offs (x) | 5,495.0000% | 5 |
| Efficiency ratio | 54.8511% | 5,164 |
| Assets per employee ($millions) | 4.7239% | 2,751 |
| Cash dividends to net income (ytd only)* | 72.8990% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9372% | 746 |
| Loan loss allowance to noncurrent loans | 178.8553% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 1.0773% | 1,749 |
| Noncurrent loans to loans | 1.0831% | 1,922 |
| Net loans and leases to total assets | 78.1354% | 1,185 |
| Net loans and leases to deposits | 92.9899% | 1,301 |
| Net loans and leases to core deposits | 97.9738% | 1,767 |
| Total domestic deposits to total assets | 84.0257% | 3,411 |
| Equity capital to assets | 13.2276% | 1,164 |
| Core capital (leverage) ratio | 11.9581% | 1,629 |
| Tier 1 risk-based capital ratio | 13.8213% | 3,566 |
| Total risk-based capital ratio | 15.0777% | 3,472 |
| Memoranda: | ||
| Average total assets | $512,924,400 | 1,337 |
| Average earning assets | $462,236,600 | 1,375 |
| Average equity | $67,470,200 | 1,157 |
| Average total loans | $395,223,600 | 1,210 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0055% | 593 |
| Cost of funding earning assets | 0.3557% | 3,481 |
| Net interest margin | 4.6497% | 466 |
| Noninterest income to average assets | 0.5228% | 3,097 |
| Noninterest expense to average assets | 2.5980% | 3,670 |
| Loan and lease loss provision to assets | 0.0953% | 2,316 |
| Net operating income to assets | 2.0266% | 327 |
| Return on assets (ROA) | 2.0433% | 330 |
| Pretax return on assets | 2.0433% | 517 |
| Return on Equity (ROE) | 15.5550% | 599 |
| Retained earnings to average equity (ytd only) | 4.6679% | 3,045 |
| Net charge-offs to loans | -0.0163% | 4,944 |
| Credit loss provision to net charge-offs | -764.5833% | 5,162 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9005% | 5,165 |
| Assets per employee ($millions) | 4.7494% | 2,673 |
| Cash dividends to net income (ytd only)* | 69.9911% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9239% | 826 |
| Loan loss allowance to noncurrent loans | 127.7019% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 1.6637% | 1,033 |
| Noncurrent loans to loans | 1.5065% | 1,434 |
| Net loans and leases to total assets | 75.7502% | 1,565 |
| Net loans and leases to deposits | 94.8008% | 1,169 |
| Net loans and leases to core deposits | 100.6048% | 1,577 |
| Total domestic deposits to total assets | 79.9046% | 4,532 |
| Equity capital to assets | 13.1080% | 1,440 |
| Core capital (leverage) ratio | 11.8573% | 1,782 |
| Tier 1 risk-based capital ratio | 13.6155% | 3,791 |
| Total risk-based capital ratio | 14.8714% | 3,695 |
| Memoranda: | ||
| Average total assets | $513,610,000 | 1,340 |
| Average earning assets | $463,613,000 | 1,372 |
| Average equity | $67,466,500 | 1,166 |
| Average total loans | $392,402,500 | 1,217 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9742% | 621 |
| Cost of funding earning assets | 0.3393% | 3,698 |
| Net interest margin | 4.6348% | 479 |
| Noninterest income to average assets | 0.5080% | 3,139 |
| Noninterest expense to average assets | 2.6162% | 3,672 |
| Loan and lease loss provision to assets | 0.0779% | 2,585 |
| Net operating income to assets | 2.0131% | 327 |
| Return on assets (ROA) | 2.0381% | 321 |
| Pretax return on assets | 2.0381% | 530 |
| Return on Equity (ROE) | 15.5046% | 606 |
| Retained earnings to average equity (ytd only) | 4.0788% | 3,308 |
| Net charge-offs to loans | -0.0262% | 5,063 |
| Credit loss provision to net charge-offs | -390.1961% | 4,877 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4372% | 5,203 |
| Assets per employee ($millions) | 4.4728% | 3,078 |
| Cash dividends to net income (ytd only)* | 73.6933% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8974% | 901 |
| Loan loss allowance to noncurrent loans | 177.1096% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 1.3538% | 1,473 |
| Noncurrent loans to loans | 1.0713% | 2,148 |
| Net loans and leases to total assets | 77.0425% | 1,330 |
| Net loans and leases to deposits | 96.6907% | 1,004 |
| Net loans and leases to core deposits | 102.7076% | 1,417 |
| Total domestic deposits to total assets | 79.6793% | 4,632 |
| Equity capital to assets | 13.3160% | 1,323 |
| Core capital (leverage) ratio | 11.9820% | 1,640 |
| Tier 1 risk-based capital ratio | 13.4855% | 3,916 |
| Total risk-based capital ratio | 14.7411% | 3,825 |
| Memoranda: | ||
| Average total assets | $510,667,330 | 1,355 |
| Average earning assets | $462,670,670 | 1,378 |
| Average equity | $67,128,330 | 1,171 |
| Average total loans | $388,699,670 | 1,226 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9517% | 639 |
| Cost of funding earning assets | 0.3309% | 3,831 |
| Net interest margin | 4.6209% | 480 |
| Noninterest income to average assets | 0.4767% | 3,292 |
| Noninterest expense to average assets | 2.6408% | 3,608 |
| Loan and lease loss provision to assets | 0.0438% | 3,043 |
| Net operating income to assets | 1.9896% | 342 |
| Return on assets (ROA) | 2.0350% | 323 |
| Pretax return on assets | 2.0350% | 523 |
| Return on Equity (ROE) | 15.5820% | 588 |
| Retained earnings to average equity (ytd only) | 5.0222% | 2,928 |
| Net charge-offs to loans | -0.0376% | 5,179 |
| Credit loss provision to net charge-offs | -155.5556% | 4,309 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3463% | 5,164 |
| Assets per employee ($millions) | 4.4887% | 3,090 |
| Cash dividends to net income (ytd only)* | 67.7692% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9476% | 899 |
| Loan loss allowance to noncurrent loans | 179.8839% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 1.3341% | 1,600 |
| Noncurrent loans to loans | 1.0827% | 2,231 |
| Net loans and leases to total assets | 73.8469% | 1,749 |
| Net loans and leases to deposits | 92.4675% | 1,287 |
| Net loans and leases to core deposits | 96.1706% | 1,778 |
| Total domestic deposits to total assets | 79.8626% | 4,774 |
| Equity capital to assets | 13.2499% | 1,294 |
| Core capital (leverage) ratio | 11.9307% | 1,656 |
| Tier 1 risk-based capital ratio | 14.2538% | 3,535 |
| Total risk-based capital ratio | 15.5103% | 3,450 |
| Memoranda: | ||
| Average total assets | $511,051,500 | 1,352 |
| Average earning assets | $464,240,500 | 1,371 |
| Average equity | $66,743,500 | 1,175 |
| Average total loans | $382,831,000 | 1,239 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1779% | 448 |
| Cost of funding earning assets | 0.3000% | 4,247 |
| Net interest margin | 4.8779% | 312 |
| Noninterest income to average assets | 0.4323% | 3,805 |
| Noninterest expense to average assets | 2.7799% | 3,316 |
| Loan and lease loss provision to assets | 0.2855% | 626 |
| Net operating income to assets | 1.7923% | 489 |
| Return on assets (ROA) | 1.8006% | 494 |
| Pretax return on assets | 1.8006% | 808 |
| Return on Equity (ROE) | 13.8468% | 867 |
| Retained earnings to average equity (ytd only) | 3.6765% | 3,437 |
| Net charge-offs to loans | 0.1241% | 2,129 |
| Credit loss provision to net charge-offs | 310.3896% | 958 |
| Earnings coverage of net charge-offs (x) | 22.5866% | 1,766 |
| Efficiency ratio | 57.0872% | 5,250 |
| Assets per employee ($millions) | 4.6385% | 2,833 |
| Cash dividends to net income (ytd only)* | 73.4491% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9153% | 932 |
| Loan loss allowance to noncurrent loans | 192.0544% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 1.2541% | 1,707 |
| Noncurrent loans to loans | 0.9973% | 2,342 |
| Net loans and leases to total assets | 73.0861% | 1,877 |
| Net loans and leases to deposits | 92.3251% | 1,367 |
| Net loans and leases to core deposits | 95.7675% | 1,871 |
| Total domestic deposits to total assets | 79.1617% | 4,948 |
| Equity capital to assets | 12.8730% | 1,418 |
| Core capital (leverage) ratio | 11.8803% | 1,698 |
| Tier 1 risk-based capital ratio | 13.7028% | 3,885 |
| Total risk-based capital ratio | 14.9586% | 3,814 |
| Memoranda: | ||
| Average total assets | $502,212,800 | 1,340 |
| Average earning assets | $455,625,600 | 1,360 |
| Average equity | $65,307,400 | 1,158 |
| Average total loans | $372,285,600 | 1,225 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1814% | 449 |
| Cost of funding earning assets | 0.3051% | 4,276 |
| Net interest margin | 4.8763% | 324 |
| Noninterest income to average assets | 0.4654% | 3,595 |
| Noninterest expense to average assets | 2.7468% | 3,396 |
| Loan and lease loss provision to assets | 0.3364% | 405 |
| Net operating income to assets | 1.8063% | 510 |
| Return on assets (ROA) | 1.8176% | 525 |
| Pretax return on assets | 1.8176% | 865 |
| Return on Equity (ROE) | 13.9407% | 923 |
| Retained earnings to average equity (ytd only) | 4.7029% | 3,123 |
| Net charge-offs to loans | 0.1086% | 2,041 |
| Credit loss provision to net charge-offs | 418.2724% | 734 |
| Earnings coverage of net charge-offs (x) | 26.6447% | 1,607 |
| Efficiency ratio | 56.0352% | 5,350 |
| Assets per employee ($millions) | 4.6143% | 2,819 |
| Cash dividends to net income (ytd only)* | 66.2649% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8862% | 1,099 |
| Loan loss allowance to noncurrent loans | 155.7443% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 1.3745% | 1,679 |
| Noncurrent loans to loans | 1.2111% | 2,110 |
| Net loans and leases to total assets | 75.8484% | 1,406 |
| Net loans and leases to deposits | 96.6110% | 947 |
| Net loans and leases to core deposits | 100.2028% | 1,494 |
| Total domestic deposits to total assets | 78.5091% | 5,085 |
| Equity capital to assets | 13.1344% | 1,378 |
| Core capital (leverage) ratio | 11.9121% | 1,730 |
| Tier 1 risk-based capital ratio | 13.9323% | 3,885 |
| Total risk-based capital ratio | 15.1886% | 3,823 |
| Memoranda: | ||
| Average total assets | $499,046,500 | 1,352 |
| Average earning assets | $452,762,750 | 1,375 |
| Average equity | $65,064,250 | 1,167 |
| Average total loans | $369,444,000 | 1,239 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1965% | 429 |
| Cost of funding earning assets | 0.3099% | 4,280 |
| Net interest margin | 4.8866% | 307 |
| Noninterest income to average assets | 0.4778% | 3,514 |
| Noninterest expense to average assets | 2.7380% | 3,461 |
| Loan and lease loss provision to assets | 0.2511% | 698 |
| Net operating income to assets | 1.9171% | 423 |
| Return on assets (ROA) | 1.9251% | 437 |
| Pretax return on assets | 1.9251% | 699 |
| Return on Equity (ROE) | 14.8026% | 764 |
| Retained earnings to average equity (ytd only) | 4.8909% | 2,931 |
| Net charge-offs to loans | 0.0298% | 3,071 |
| Credit loss provision to net charge-offs | 1,157.4074% | 308 |
| Earnings coverage of net charge-offs (x) | 99.9259% | 598 |
| Efficiency ratio | 55.6675% | 5,460 |
| Assets per employee ($millions) | 4.6556% | 2,741 |
| Cash dividends to net income (ytd only)* | 66.9589% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8260% | 1,323 |
| Loan loss allowance to noncurrent loans | 124.1866% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 1.5509% | 1,574 |
| Noncurrent loans to loans | 1.4703% | 1,804 |
| Net loans and leases to total assets | 74.2850% | 1,618 |
| Net loans and leases to deposits | 93.7269% | 1,178 |
| Net loans and leases to core deposits | 97.8410% | 1,666 |
| Total domestic deposits to total assets | 79.2569% | 5,036 |
| Equity capital to assets | 12.9262% | 1,440 |
| Core capital (leverage) ratio | 11.6961% | 1,843 |
| Tier 1 risk-based capital ratio | 13.7230% | 4,084 |
| Total risk-based capital ratio | 14.9779% | 4,020 |
| Memoranda: | ||
| Average total assets | $497,741,670 | 1,361 |
| Average earning assets | $451,069,330 | 1,390 |
| Average equity | $64,732,000 | 1,184 |
| Average total loans | $362,984,670 | 1,261 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0385% | 541 |
| Cost of funding earning assets | 0.3135% | 4,294 |
| Net interest margin | 4.7251% | 396 |
| Noninterest income to average assets | 0.5048% | 3,255 |
| Noninterest expense to average assets | 2.6696% | 3,698 |
| Loan and lease loss provision to assets | 0.2116% | 845 |
| Net operating income to assets | 1.8974% | 405 |
| Return on assets (ROA) | 1.8837% | 441 |
| Pretax return on assets | 1.8837% | 740 |
| Return on Equity (ROE) | 14.4394% | 801 |
| Retained earnings to average equity (ytd only) | 6.2600% | 2,349 |
| Net charge-offs to loans | -0.0045% | 4,471 |
| Credit loss provision to net charge-offs | -6,550.0000% | 5,293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7133% | 5,537 |
| Assets per employee ($millions) | 4.5131% | 3,040 |
| Cash dividends to net income (ytd only)* | 56.6467% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8332% | 1,425 |
| Loan loss allowance to noncurrent loans | 137.4017% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 1.5162% | 1,720 |
| Noncurrent loans to loans | 1.3342% | 2,156 |
| Net loans and leases to total assets | 71.6471% | 1,869 |
| Net loans and leases to deposits | 88.5169% | 1,557 |
| Net loans and leases to core deposits | 92.7127% | 1,886 |
| Total domestic deposits to total assets | 80.9417% | 4,835 |
| Equity capital to assets | 13.1774% | 1,314 |
| Core capital (leverage) ratio | 11.8076% | 1,771 |
| Tier 1 risk-based capital ratio | 14.4739% | 3,736 |
| Total risk-based capital ratio | 15.7322% | 3,654 |
| Memoranda: | ||
| Average total assets | $495,208,500 | 1,374 |
| Average earning assets | $447,909,000 | 1,403 |
| Average equity | $64,601,000 | 1,184 |
| Average total loans | $354,248,000 | 1,280 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0058% | 761 |
| Cost of funding earning assets | 0.3613% | 4,123 |
| Net interest margin | 4.6444% | 573 |
| Noninterest income to average assets | 0.5443% | 3,206 |
| Noninterest expense to average assets | 2.6219% | 4,136 |
| Loan and lease loss provision to assets | 0.1778% | 1,450 |
| Net operating income to assets | 1.9346% | 367 |
| Return on assets (ROA) | 1.9285% | 390 |
| Pretax return on assets | 1.9285% | 599 |
| Return on Equity (ROE) | 15.2220% | 743 |
| Retained earnings to average equity (ytd only) | 3.5966% | 3,657 |
| Net charge-offs to loans | 0.0194% | 4,462 |
| Credit loss provision to net charge-offs | 1,367.1875% | 206 |
| Earnings coverage of net charge-offs (x) | 162.4063% | 331 |
| Efficiency ratio | 55.2350% | 5,747 |
| Assets per employee ($millions) | 4.5739% | 2,916 |
| Cash dividends to net income (ytd only)* | 76.3726% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8419% | 1,444 |
| Loan loss allowance to noncurrent loans | 122.0754% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 1.6025% | 1,683 |
| Noncurrent loans to loans | 1.5088% | 1,944 |
| Net loans and leases to total assets | 68.7873% | 2,443 |
| Net loans and leases to deposits | 79.6857% | 2,761 |
| Net loans and leases to core deposits | 83.3568% | 2,967 |
| Total domestic deposits to total assets | 86.3233% | 2,658 |
| Equity capital to assets | 12.9123% | 1,409 |
| Core capital (leverage) ratio | 11.5504% | 1,943 |
| Tier 1 risk-based capital ratio | 14.7064% | 3,655 |
| Total risk-based capital ratio | 15.9615% | 3,580 |
| Memoranda: | ||
| Average total assets | $492,048,400 | 1,355 |
| Average earning assets | $443,909,400 | 1,377 |
| Average equity | $62,337,400 | 1,169 |
| Average total loans | $329,571,400 | 1,328 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9981% | 773 |
| Cost of funding earning assets | 0.3707% | 4,122 |
| Net interest margin | 4.6273% | 582 |
| Noninterest income to average assets | 0.5373% | 3,276 |
| Noninterest expense to average assets | 2.6074% | 4,176 |
| Loan and lease loss provision to assets | 0.1820% | 1,346 |
| Net operating income to assets | 1.9222% | 405 |
| Return on assets (ROA) | 1.9193% | 417 |
| Pretax return on assets | 1.9193% | 687 |
| Return on Equity (ROE) | 15.2228% | 784 |
| Retained earnings to average equity (ytd only) | 2.7838% | 4,619 |
| Net charge-offs to loans | 0.0340% | 3,805 |
| Credit loss provision to net charge-offs | 808.4337% | 384 |
| Earnings coverage of net charge-offs (x) | 93.4732% | 616 |
| Efficiency ratio | 55.1897% | 5,725 |
| Assets per employee ($millions) | 4.3973% | 3,135 |
| Cash dividends to net income (ytd only)* | 81.7128% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7917% | 1,712 |
| Loan loss allowance to noncurrent loans | 117.6032% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 1.5466% | 1,984 |
| Noncurrent loans to loans | 1.5235% | 2,125 |
| Net loans and leases to total assets | 69.7263% | 2,241 |
| Net loans and leases to deposits | 81.0192% | 2,546 |
| Net loans and leases to core deposits | 85.0738% | 2,765 |
| Total domestic deposits to total assets | 86.0615% | 2,816 |
| Equity capital to assets | 13.0373% | 1,407 |
| Core capital (leverage) ratio | 11.3090% | 2,209 |
| Tier 1 risk-based capital ratio | 14.5746% | 3,837 |
| Total risk-based capital ratio | 15.8293% | 3,776 |
| Memoranda: | ||
| Average total assets | $491,566,000 | 1,363 |
| Average earning assets | $443,441,000 | 1,393 |
| Average equity | $61,975,750 | 1,187 |
| Average total loans | $325,421,750 | 1,350 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9068% | 898 |
| Cost of funding earning assets | 0.3775% | 4,134 |
| Net interest margin | 4.5293% | 665 |
| Noninterest income to average assets | 0.5217% | 3,331 |
| Noninterest expense to average assets | 2.6217% | 4,165 |
| Loan and lease loss provision to assets | 0.1732% | 1,413 |
| Net operating income to assets | 1.8107% | 483 |
| Return on assets (ROA) | 1.8107% | 497 |
| Pretax return on assets | 1.8107% | 825 |
| Return on Equity (ROE) | 14.5228% | 871 |
| Retained earnings to average equity (ytd only) | 3.7979% | 3,758 |
| Net charge-offs to loans | 0.0382% | 3,455 |
| Credit loss provision to net charge-offs | 701.6393% | 449 |
| Earnings coverage of net charge-offs (x) | 80.3607% | 659 |
| Efficiency ratio | 56.7750% | 5,677 |
| Assets per employee ($millions) | 4.4088% | 3,074 |
| Cash dividends to net income (ytd only)* | 73.8489% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7846% | 1,881 |
| Loan loss allowance to noncurrent loans | 70.4011% | 4,494 |
| Noncurrent assets plus other real estate owned to assets | 2.2012% | 1,384 |
| Noncurrent loans to loans | 2.5349% | 1,222 |
| Net loans and leases to total assets | 67.3168% | 2,531 |
| Net loans and leases to deposits | 78.0279% | 2,800 |
| Net loans and leases to core deposits | 82.2420% | 2,943 |
| Total domestic deposits to total assets | 86.2728% | 2,891 |
| Equity capital to assets | 12.9439% | 1,401 |
| Core capital (leverage) ratio | 11.4872% | 2,010 |
| Tier 1 risk-based capital ratio | 14.9425% | 3,671 |
| Total risk-based capital ratio | 16.1950% | 3,613 |
| Memoranda: | ||
| Average total assets | $494,186,670 | 1,357 |
| Average earning assets | $445,585,000 | 1,385 |
| Average equity | $61,613,670 | 1,185 |
| Average total loans | $319,421,670 | 1,364 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7997% | 1,043 |
| Cost of funding earning assets | 0.3857% | 4,132 |
| Net interest margin | 4.4140% | 783 |
| Noninterest income to average assets | 0.5180% | 3,278 |
| Noninterest expense to average assets | 2.6400% | 4,149 |
| Loan and lease loss provision to assets | 0.1460% | 1,670 |
| Net operating income to assets | 1.6969% | 580 |
| Return on assets (ROA) | 1.6969% | 596 |
| Pretax return on assets | 1.6969% | 982 |
| Return on Equity (ROE) | 13.8678% | 969 |
| Retained earnings to average equity (ytd only) | 4.4107% | 3,480 |
| Net charge-offs to loans | 0.0038% | 3,598 |
| Credit loss provision to net charge-offs | 6,066.6667% | 52 |
| Earnings coverage of net charge-offs (x) | 766.0000% | 36 |
| Efficiency ratio | 58.7299% | 5,576 |
| Assets per employee ($millions) | 4.8108% | 2,497 |
| Cash dividends to net income (ytd only)* | 68.1947% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8300% | 1,956 |
| Loan loss allowance to noncurrent loans | 53.1852% | 5,068 |
| Noncurrent assets plus other real estate owned to assets | 2.6296% | 1,174 |
| Noncurrent loans to loans | 3.4407% | 861 |
| Net loans and leases to total assets | 62.1869% | 3,209 |
| Net loans and leases to deposits | 71.5873% | 3,396 |
| Net loans and leases to core deposits | 75.0990% | 3,518 |
| Total domestic deposits to total assets | 86.8686% | 2,894 |
| Equity capital to assets | 12.4770% | 1,588 |
| Core capital (leverage) ratio | 11.2297% | 2,194 |
| Tier 1 risk-based capital ratio | 15.3487% | 3,522 |
| Total risk-based capital ratio | 16.6034% | 3,473 |
| Memoranda: | ||
| Average total assets | $498,794,500 | 1,355 |
| Average earning assets | $448,024,500 | 1,378 |
| Average equity | $61,033,500 | 1,191 |
| Average total loans | $312,933,000 | 1,388 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6601% | 1,686 |
| Cost of funding earning assets | 0.4728% | 3,885 |
| Net interest margin | 4.1873% | 1,392 |
| Noninterest income to average assets | 0.4920% | 3,807 |
| Noninterest expense to average assets | 2.4123% | 5,042 |
| Loan and lease loss provision to assets | 0.1752% | 2,107 |
| Net operating income to assets | 1.7047% | 577 |
| Return on assets (ROA) | 1.7053% | 590 |
| Pretax return on assets | 1.7053% | 938 |
| Return on Equity (ROE) | 13.9948% | 949 |
| Retained earnings to average equity (ytd only) | 4.3329% | 3,093 |
| Net charge-offs to loans | 0.2120% | 2,769 |
| Credit loss provision to net charge-offs | 130.0300% | 1,804 |
| Earnings coverage of net charge-offs (x) | 13.9535% | 1,976 |
| Efficiency ratio | 56.0420% | 5,942 |
| Assets per employee ($millions) | 4.7366% | 2,530 |
| Cash dividends to net income (ytd only)* | 69.0391% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7838% | 2,117 |
| Loan loss allowance to noncurrent loans | 57.9265% | 4,946 |
| Noncurrent assets plus other real estate owned to assets | 2.3729% | 1,459 |
| Noncurrent loans to loans | 3.0794% | 1,120 |
| Net loans and leases to total assets | 61.0292% | 3,533 |
| Net loans and leases to deposits | 69.8425% | 3,802 |
| Net loans and leases to core deposits | 73.3307% | 3,915 |
| Total domestic deposits to total assets | 87.3812% | 2,535 |
| Equity capital to assets | 11.9986% | 1,807 |
| Core capital (leverage) ratio | 11.3474% | 2,075 |
| Tier 1 risk-based capital ratio | 15.2103% | 3,538 |
| Total risk-based capital ratio | 16.4644% | 3,484 |
| Memoranda: | ||
| Average total assets | $494,333,800 | 1,341 |
| Average earning assets | $448,639,400 | 1,352 |
| Average equity | $60,236,800 | 1,191 |
| Average total loans | $314,187,800 | 1,346 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0478% | 3,944 |
| Cost of funding earning assets | 0.3096% | 5,647 |
| Net interest margin | 3.7382% | 2,894 |
| Noninterest income to average assets | 0.8319% | 2,003 |
| Noninterest expense to average assets | 2.4093% | 5,002 |
| Loan and lease loss provision to assets | 0.1882% | 1,947 |
| Net operating income to assets | 1.7113% | 619 |
| Return on assets (ROA) | 1.7128% | 644 |
| Pretax return on assets | 1.7128% | 1,070 |
| Return on Equity (ROE) | 15.3661% | 736 |
| Retained earnings to average equity (ytd only) | 5.0787% | 3,022 |
| Net charge-offs to loans | 0.3140% | 1,972 |
| Credit loss provision to net charge-offs | 105.8140% | 2,208 |
| Earnings coverage of net charge-offs (x) | 10.6801% | 2,331 |
| Efficiency ratio | 55.9155% | 5,912 |
| Assets per employee ($millions) | 4.5348% | 2,828 |
| Cash dividends to net income (ytd only)* | 66.9484% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8181% | 2,246 |
| Loan loss allowance to noncurrent loans | 60.4815% | 4,802 |
| Noncurrent assets plus other real estate owned to assets | 2.2647% | 1,750 |
| Noncurrent loans to loans | 3.0061% | 1,336 |
| Net loans and leases to total assets | 55.6344% | 4,370 |
| Net loans and leases to deposits | 63.1842% | 4,608 |
| Net loans and leases to core deposits | 65.4971% | 4,756 |
| Total domestic deposits to total assets | 88.0511% | 2,102 |
| Equity capital to assets | 10.9724% | 2,781 |
| Core capital (leverage) ratio | 10.8236% | 2,645 |
| Tier 1 risk-based capital ratio | 16.5313% | 2,921 |
| Total risk-based capital ratio | 17.7856% | 2,885 |
| Memoranda: | ||
| Average total assets | $257,888,500 | 2,471 |
| Average earning assets | $239,858,500 | 2,438 |
| Average equity | $28,746,500 | 2,347 |
| Average total loans | $146,062,500 | 2,636 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0549% | 3,906 |
| Cost of funding earning assets | 0.3262% | 5,599 |
| Net interest margin | 3.7287% | 2,855 |
| Noninterest income to average assets | 0.8483% | 2,006 |
| Noninterest expense to average assets | 2.3819% | 5,104 |
| Loan and lease loss provision to assets | 0.1894% | 1,995 |
| Net operating income to assets | 1.7455% | 578 |
| Return on assets (ROA) | 1.7478% | 620 |
| Pretax return on assets | 1.7478% | 1,020 |
| Return on Equity (ROE) | 15.5984% | 720 |
| Retained earnings to average equity (ytd only) | 4.5022% | 3,405 |
| Net charge-offs to loans | 0.0329% | 4,226 |
| Credit loss provision to net charge-offs | 1,016.6667% | 295 |
| Earnings coverage of net charge-offs (x) | 103.8750% | 451 |
| Efficiency ratio | 55.1780% | 6,050 |
| Assets per employee ($millions) | 4.5502% | 2,740 |
| Cash dividends to net income (ytd only)* | 71.1368% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9836% | 1,891 |
| Loan loss allowance to noncurrent loans | 63.1869% | 4,659 |
| Noncurrent assets plus other real estate owned to assets | 2.3939% | 1,778 |
| Noncurrent loans to loans | 3.1392% | 1,402 |
| Net loans and leases to total assets | 56.5300% | 4,209 |
| Net loans and leases to deposits | 64.3034% | 4,462 |
| Net loans and leases to core deposits | 66.7434% | 4,621 |
| Total domestic deposits to total assets | 87.9114% | 2,308 |
| Equity capital to assets | 11.1576% | 2,603 |
| Core capital (leverage) ratio | 10.9529% | 2,407 |
| Tier 1 risk-based capital ratio | 16.3385% | 3,015 |
| Total risk-based capital ratio | 17.5943% | 2,977 |
| Memoranda: | ||
| Average total assets | $257,690,000 | 2,481 |
| Average earning assets | $239,711,330 | 2,449 |
| Average equity | $28,874,670 | 2,353 |
| Average total loans | $145,927,000 | 2,632 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0977% | 3,738 |
| Cost of funding earning assets | 0.3374% | 5,659 |
| Net interest margin | 3.7604% | 2,611 |
| Noninterest income to average assets | 0.7406% | 2,372 |
| Noninterest expense to average assets | 2.3351% | 5,320 |
| Loan and lease loss provision to assets | 0.1836% | 2,007 |
| Net operating income to assets | 1.7184% | 561 |
| Return on assets (ROA) | 1.7215% | 615 |
| Pretax return on assets | 1.7215% | 1,029 |
| Return on Equity (ROE) | 15.3319% | 694 |
| Retained earnings to average equity (ytd only) | 15.3319% | 325 |
| Net charge-offs to loans | 0.0245% | 3,688 |
| Credit loss provision to net charge-offs | 1,333.3333% | 242 |
| Earnings coverage of net charge-offs (x) | 138.1111% | 283 |
| Efficiency ratio | 55.1101% | 6,143 |
| Assets per employee ($millions) | 4.6060% | 2,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8954% | 2,316 |
| Loan loss allowance to noncurrent loans | 59.4688% | 4,744 |
| Noncurrent assets plus other real estate owned to assets | 2.3955% | 1,941 |
| Noncurrent loans to loans | 3.1872% | 1,544 |
| Net loans and leases to total assets | 55.2637% | 4,205 |
| Net loans and leases to deposits | 63.0707% | 4,411 |
| Net loans and leases to core deposits | 65.7952% | 4,556 |
| Total domestic deposits to total assets | 87.6218% | 2,554 |
| Equity capital to assets | 11.5419% | 2,372 |
| Core capital (leverage) ratio | 10.8668% | 2,381 |
| Tier 1 risk-based capital ratio | 16.4581% | 3,029 |
| Total risk-based capital ratio | 17.7129% | 2,977 |
| Memoranda: | ||
| Average total assets | $261,405,000 | 2,477 |
| Average earning assets | $243,060,500 | 2,444 |
| Average equity | $29,350,500 | 2,348 |
| Average total loans | $146,723,000 | 2,636 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5161% | 3,331 |
| Cost of funding earning assets | 0.5013% | 5,212 |
| Net interest margin | 4.0148% | 2,335 |
| Noninterest income to average assets | 0.7737% | 2,371 |
| Noninterest expense to average assets | 2.4558% | 5,235 |
| Loan and lease loss provision to assets | 0.1669% | 3,527 |
| Net operating income to assets | 1.8576% | 462 |
| Return on assets (ROA) | 1.8655% | 506 |
| Pretax return on assets | 1.8655% | 801 |
| Return on Equity (ROE) | 16.6427% | 582 |
| Retained earnings to average equity (ytd only) | 5.2308% | 2,551 |
| Net charge-offs to loans | 0.1871% | 3,884 |
| Credit loss provision to net charge-offs | 157.8358% | 1,703 |
| Earnings coverage of net charge-offs (x) | 19.1455% | 1,404 |
| Efficiency ratio | 54.8129% | 6,199 |
| Assets per employee ($millions) | 4.7299% | 2,602 |
| Cash dividends to net income (ytd only)* | 68.5702% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7841% | 2,640 |
| Loan loss allowance to noncurrent loans | 162.7463% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 1.1976% | 3,663 |
| Noncurrent loans to loans | 1.0962% | 4,014 |
| Net loans and leases to total assets | 54.9333% | 4,463 |
| Net loans and leases to deposits | 62.2625% | 4,755 |
| Net loans and leases to core deposits | 64.8808% | 4,852 |
| Total domestic deposits to total assets | 88.2287% | 2,079 |
| Equity capital to assets | 10.9223% | 3,044 |
| Core capital (leverage) ratio | 10.4973% | 2,773 |
| Tier 1 risk-based capital ratio | 15.5599% | 3,392 |
| Total risk-based capital ratio | 16.8133% | 3,351 |
| Memoranda: | ||
| Average total assets | $253,442,400 | 2,500 |
| Average earning assets | $233,985,000 | 2,466 |
| Average equity | $28,408,800 | 2,360 |
| Average total loans | $143,270,800 | 2,679 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5591% | 3,390 |
| Cost of funding earning assets | 0.5402% | 5,166 |
| Net interest margin | 4.0189% | 2,424 |
| Noninterest income to average assets | 0.7864% | 2,295 |
| Noninterest expense to average assets | 2.4720% | 5,174 |
| Loan and lease loss provision to assets | 0.1532% | 3,615 |
| Net operating income to assets | 1.8740% | 488 |
| Return on assets (ROA) | 1.8841% | 550 |
| Pretax return on assets | 1.8841% | 899 |
| Return on Equity (ROE) | 16.6954% | 642 |
| Retained earnings to average equity (ytd only) | 5.7616% | 2,857 |
| Net charge-offs to loans | 0.2224% | 3,387 |
| Credit loss provision to net charge-offs | 121.5190% | 2,383 |
| Earnings coverage of net charge-offs (x) | 16.0760% | 1,715 |
| Efficiency ratio | 54.9432% | 6,150 |
| Assets per employee ($millions) | 4.5044% | 2,908 |
| Cash dividends to net income (ytd only)* | 65.4899% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7799% | 2,858 |
| Loan loss allowance to noncurrent loans | 118.6449% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 1.4364% | 3,450 |
| Noncurrent loans to loans | 1.5002% | 3,537 |
| Net loans and leases to total assets | 54.5714% | 4,658 |
| Net loans and leases to deposits | 62.2678% | 4,938 |
| Net loans and leases to core deposits | 64.9927% | 5,055 |
| Total domestic deposits to total assets | 87.6397% | 2,266 |
| Equity capital to assets | 11.3390% | 2,897 |
| Core capital (leverage) ratio | 10.4982% | 2,911 |
| Tier 1 risk-based capital ratio | 15.9628% | 3,284 |
| Total risk-based capital ratio | 17.2140% | 3,253 |
| Memoranda: | ||
| Average total assets | $250,585,000 | 2,549 |
| Average earning assets | $231,501,250 | 2,507 |
| Average equity | $28,278,500 | 2,384 |
| Average total loans | $142,052,000 | 2,730 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5591% | 3,534 |
| Cost of funding earning assets | 0.5665% | 5,176 |
| Net interest margin | 3.9926% | 2,533 |
| Noninterest income to average assets | 0.7999% | 2,180 |
| Noninterest expense to average assets | 2.4729% | 5,226 |
| Loan and lease loss provision to assets | 0.1690% | 3,412 |
| Net operating income to assets | 1.8388% | 528 |
| Return on assets (ROA) | 1.8541% | 578 |
| Pretax return on assets | 1.8541% | 930 |
| Return on Equity (ROE) | 16.4569% | 700 |
| Retained earnings to average equity (ytd only) | 5.2928% | 3,099 |
| Net charge-offs to loans | 0.1917% | 3,435 |
| Credit loss provision to net charge-offs | 154.4118% | 1,795 |
| Earnings coverage of net charge-offs (x) | 18.3456% | 1,491 |
| Efficiency ratio | 55.1904% | 6,206 |
| Assets per employee ($millions) | 4.5620% | 2,786 |
| Cash dividends to net income (ytd only)* | 67.8385% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7841% | 2,907 |
| Loan loss allowance to noncurrent loans | 60.3534% | 4,624 |
| Noncurrent assets plus other real estate owned to assets | 2.2676% | 2,469 |
| Noncurrent loans to loans | 2.9561% | 2,017 |
| Net loans and leases to total assets | 55.2074% | 4,595 |
| Net loans and leases to deposits | 62.7261% | 4,912 |
| Net loans and leases to core deposits | 65.6328% | 5,043 |
| Total domestic deposits to total assets | 88.0135% | 2,132 |
| Equity capital to assets | 11.0447% | 3,068 |
| Core capital (leverage) ratio | 10.6318% | 2,685 |
| Tier 1 risk-based capital ratio | 16.0769% | 3,129 |
| Total risk-based capital ratio | 17.3307% | 3,093 |
| Memoranda: | ||
| Average total assets | $248,530,000 | 2,564 |
| Average earning assets | $229,124,000 | 2,533 |
| Average equity | $28,000,330 | 2,394 |
| Average total loans | $141,852,330 | 2,745 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6946% | 3,074 |
| Cost of funding earning assets | 0.5868% | 5,239 |
| Net interest margin | 4.1078% | 2,062 |
| Noninterest income to average assets | 0.7427% | 2,435 |
| Noninterest expense to average assets | 2.5169% | 5,095 |
| Loan and lease loss provision to assets | 0.1469% | 3,525 |
| Net operating income to assets | 1.8608% | 526 |
| Return on assets (ROA) | 1.8918% | 572 |
| Pretax return on assets | 1.8918% | 892 |
| Return on Equity (ROE) | 16.6210% | 728 |
| Retained earnings to average equity (ytd only) | 6.7832% | 2,532 |
| Net charge-offs to loans | 0.3944% | 2,119 |
| Credit loss provision to net charge-offs | 64.7482% | 3,020 |
| Earnings coverage of net charge-offs (x) | 8.8489% | 1,914 |
| Efficiency ratio | 55.6277% | 6,164 |
| Assets per employee ($millions) | 4.4588% | 3,072 |
| Cash dividends to net income (ytd only)* | 59.1890% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6843% | 3,414 |
| Loan loss allowance to noncurrent loans | 87.4821% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 1.9459% | 2,977 |
| Noncurrent loans to loans | 1.9253% | 3,255 |
| Net loans and leases to total assets | 58.0531% | 4,024 |
| Net loans and leases to deposits | 66.2138% | 4,343 |
| Net loans and leases to core deposits | 69.5685% | 4,489 |
| Total domestic deposits to total assets | 87.6751% | 2,540 |
| Equity capital to assets | 11.4469% | 2,487 |
| Core capital (leverage) ratio | 10.7237% | 2,524 |
| Tier 1 risk-based capital ratio | 15.8611% | 3,242 |
| Total risk-based capital ratio | 17.1140% | 3,214 |
| Memoranda: | ||
| Average total assets | $245,059,500 | 2,611 |
| Average earning assets | $225,619,000 | 2,593 |
| Average equity | $27,892,500 | 2,397 |
| Average total loans | $140,978,000 | 2,772 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7294% | 4,127 |
| Cost of funding earning assets | 0.7083% | 5,488 |
| Net interest margin | 4.0211% | 2,779 |
| Noninterest income to average assets | 0.7373% | 2,408 |
| Noninterest expense to average assets | 2.6144% | 5,040 |
| Loan and lease loss provision to assets | 0.1416% | 4,843 |
| Net operating income to assets | 1.6771% | 576 |
| Return on assets (ROA) | 1.6788% | 611 |
| Pretax return on assets | 1.6788% | 1,038 |
| Return on Equity (ROE) | 15.3477% | 692 |
| Retained earnings to average equity (ytd only) | 7.8739% | 1,125 |
| Net charge-offs to loans | 0.1181% | 5,203 |
| Credit loss provision to net charge-offs | 208.8608% | 1,183 |
| Earnings coverage of net charge-offs (x) | 26.8228% | 928 |
| Efficiency ratio | 58.9739% | 5,903 |
| Assets per employee ($millions) | 4.3729% | 3,112 |
| Cash dividends to net income (ytd only)* | 48.6963% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8141% | 2,829 |
| Loan loss allowance to noncurrent loans | 58.5687% | 4,588 |
| Noncurrent assets plus other real estate owned to assets | 2.3995% | 2,534 |
| Noncurrent loans to loans | 3.0973% | 2,086 |
| Net loans and leases to total assets | 54.9903% | 4,881 |
| Net loans and leases to deposits | 62.6326% | 5,161 |
| Net loans and leases to core deposits | 65.6622% | 5,295 |
| Total domestic deposits to total assets | 87.7983% | 2,280 |
| Equity capital to assets | 11.3168% | 2,668 |
| Core capital (leverage) ratio | 10.5249% | 2,696 |
| Tier 1 risk-based capital ratio | 16.4603% | 2,840 |
| Total risk-based capital ratio | 17.7147% | 2,804 |
| Memoranda: | ||
| Average total assets | $233,020,600 | 2,694 |
| Average earning assets | $214,169,800 | 2,680 |
| Average equity | $25,489,200 | 2,524 |
| Average total loans | $133,836,200 | 2,926 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7597% | 4,189 |
| Cost of funding earning assets | 0.7372% | 5,547 |
| Net interest margin | 4.0225% | 2,821 |
| Noninterest income to average assets | 0.7314% | 2,409 |
| Noninterest expense to average assets | 2.6410% | 4,936 |
| Loan and lease loss provision to assets | 0.1391% | 4,704 |
| Net operating income to assets | 1.6483% | 707 |
| Return on assets (ROA) | 1.6483% | 773 |
| Pretax return on assets | 1.6483% | 1,262 |
| Return on Equity (ROE) | 15.2082% | 806 |
| Retained earnings to average equity (ytd only) | 7.2191% | 1,856 |
| Net charge-offs to loans | 0.1433% | 4,628 |
| Credit loss provision to net charge-offs | 167.8322% | 1,804 |
| Earnings coverage of net charge-offs (x) | 21.5667% | 1,179 |
| Efficiency ratio | 59.6388% | 5,778 |
| Assets per employee ($millions) | 4.3308% | 3,214 |
| Cash dividends to net income (ytd only)* | 52.5316% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8276% | 2,840 |
| Loan loss allowance to noncurrent loans | 56.7765% | 4,613 |
| Noncurrent assets plus other real estate owned to assets | 2.4677% | 2,608 |
| Noncurrent loans to loans | 3.2190% | 2,158 |
| Net loans and leases to total assets | 54.4157% | 5,104 |
| Net loans and leases to deposits | 61.9141% | 5,414 |
| Net loans and leases to core deposits | 65.5557% | 5,462 |
| Total domestic deposits to total assets | 87.8890% | 2,099 |
| Equity capital to assets | 11.1018% | 3,048 |
| Core capital (leverage) ratio | 10.4427% | 2,944 |
| Tier 1 risk-based capital ratio | 16.7001% | 2,765 |
| Total risk-based capital ratio | 17.9545% | 2,731 |
| Memoranda: | ||
| Average total assets | $230,055,000 | 2,731 |
| Average earning assets | $211,438,000 | 2,718 |
| Average equity | $24,933,250 | 2,575 |
| Average total loans | $133,007,750 | 2,956 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8242% | 3,981 |
| Cost of funding earning assets | 0.7617% | 5,613 |
| Net interest margin | 4.0626% | 2,562 |
| Noninterest income to average assets | 0.9114% | 1,614 |
| Noninterest expense to average assets | 2.6718% | 4,934 |
| Loan and lease loss provision to assets | 0.1584% | 4,337 |
| Net operating income to assets | 1.8211% | 480 |
| Return on assets (ROA) | 1.8211% | 510 |
| Pretax return on assets | 1.8211% | 841 |
| Return on Equity (ROE) | 16.9466% | 557 |
| Retained earnings to average equity (ytd only) | 7.2371% | 1,771 |
| Net charge-offs to loans | 0.0435% | 5,251 |
| Credit loss provision to net charge-offs | 620.6897% | 505 |
| Earnings coverage of net charge-offs (x) | 77.5862% | 438 |
| Efficiency ratio | 57.4428% | 6,237 |
| Assets per employee ($millions) | 4.1185% | 3,521 |
| Cash dividends to net income (ytd only)* | 57.2947% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9050% | 2,655 |
| Loan loss allowance to noncurrent loans | 56.5307% | 4,641 |
| Noncurrent assets plus other real estate owned to assets | 2.6730% | 2,499 |
| Noncurrent loans to loans | 3.3698% | 2,111 |
| Net loans and leases to total assets | 54.1143% | 5,281 |
| Net loans and leases to deposits | 61.3562% | 5,569 |
| Net loans and leases to core deposits | 64.6505% | 5,654 |
| Total domestic deposits to total assets | 88.1970% | 2,015 |
| Equity capital to assets | 10.8391% | 3,144 |
| Core capital (leverage) ratio | 10.7504% | 2,468 |
| Tier 1 risk-based capital ratio | 16.7211% | 2,639 |
| Total risk-based capital ratio | 17.9764% | 2,593 |
| Memoranda: | ||
| Average total assets | $227,341,330 | 2,778 |
| Average earning assets | $209,276,330 | 2,766 |
| Average equity | $24,429,670 | 2,617 |
| Average total loans | $133,334,000 | 2,977 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8670% | 3,735 |
| Cost of funding earning assets | 0.7912% | 5,609 |
| Net interest margin | 4.0758% | 2,361 |
| Noninterest income to average assets | 0.9444% | 1,493 |
| Noninterest expense to average assets | 2.7205% | 4,752 |
| Loan and lease loss provision to assets | 0.1610% | 4,021 |
| Net operating income to assets | 1.8405% | 453 |
| Return on assets (ROA) | 1.8405% | 477 |
| Pretax return on assets | 1.8405% | 751 |
| Return on Equity (ROE) | 17.2059% | 543 |
| Retained earnings to average equity (ytd only) | 5.8356% | 2,735 |
| Net charge-offs to loans | 0.0237% | 4,754 |
| Credit loss provision to net charge-offs | 1,125.0000% | 340 |
| Earnings coverage of net charge-offs (x) | 139.8750% | 223 |
| Efficiency ratio | 57.6136% | 6,313 |
| Assets per employee ($millions) | 4.1107% | 3,614 |
| Cash dividends to net income (ytd only)* | 66.0836% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7598% | 3,135 |
| Loan loss allowance to noncurrent loans | 38.0575% | 5,761 |
| Noncurrent assets plus other real estate owned to assets | 3.6994% | 1,831 |
| Noncurrent loans to loans | 4.6242% | 1,499 |
| Net loans and leases to total assets | 60.3048% | 4,210 |
| Net loans and leases to deposits | 68.4923% | 4,609 |
| Net loans and leases to core deposits | 71.6095% | 4,840 |
| Total domestic deposits to total assets | 88.0462% | 2,347 |
| Equity capital to assets | 10.9501% | 2,735 |
| Core capital (leverage) ratio | 10.6216% | 2,489 |
| Tier 1 risk-based capital ratio | 15.6370% | 3,082 |
| Total risk-based capital ratio | 16.8908% | 3,037 |
| Memoranda: | ||
| Average total assets | $223,635,500 | 2,842 |
| Average earning assets | $207,274,500 | 2,815 |
| Average equity | $23,922,000 | 2,650 |
| Average total loans | $135,250,000 | 2,980 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0687% | 4,241 |
| Cost of funding earning assets | 1.0144% | 5,615 |
| Net interest margin | 4.0543% | 2,785 |
| Noninterest income to average assets | 0.8469% | 2,070 |
| Noninterest expense to average assets | 2.8665% | 4,357 |
| Loan and lease loss provision to assets | 0.1636% | 5,578 |
| Net operating income to assets | 1.5593% | 676 |
| Return on assets (ROA) | 1.5593% | 735 |
| Pretax return on assets | 1.5593% | 1,217 |
| Return on Equity (ROE) | 14.8579% | 738 |
| Retained earnings to average equity (ytd only) | 9.6109% | 585 |
| Net charge-offs to loans | 0.0928% | 5,924 |
| Credit loss provision to net charge-offs | 274.8092% | 992 |
| Earnings coverage of net charge-offs (x) | 28.9466% | 748 |
| Efficiency ratio | 62.4592% | 5,642 |
| Assets per employee ($millions) | 4.2508% | 3,291 |
| Cash dividends to net income (ytd only)* | 35.3147% | 2,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7253% | 3,118 |
| Loan loss allowance to noncurrent loans | 52.7082% | 4,852 |
| Noncurrent assets plus other real estate owned to assets | 2.6051% | 2,677 |
| Noncurrent loans to loans | 3.2733% | 2,321 |
| Net loans and leases to total assets | 58.5560% | 4,948 |
| Net loans and leases to deposits | 66.2123% | 5,371 |
| Net loans and leases to core deposits | 69.0687% | 5,544 |
| Total domestic deposits to total assets | 88.4368% | 1,993 |
| Equity capital to assets | 10.4473% | 3,219 |
| Core capital (leverage) ratio | 10.4950% | 2,563 |
| Tier 1 risk-based capital ratio | 15.6899% | 2,899 |
| Total risk-based capital ratio | 16.9440% | 2,863 |
| Memoranda: | ||
| Average total assets | $220,096,200 | 2,867 |
| Average earning assets | $203,167,600 | 2,830 |
| Average equity | $23,098,800 | 2,748 |
| Average total loans | $141,187,600 | 2,927 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0744% | 4,456 |
| Cost of funding earning assets | 1.0515% | 5,692 |
| Net interest margin | 4.0229% | 2,995 |
| Noninterest income to average assets | 0.8306% | 2,079 |
| Noninterest expense to average assets | 2.8153% | 4,417 |
| Loan and lease loss provision to assets | 0.1645% | 5,393 |
| Net operating income to assets | 1.5600% | 806 |
| Return on assets (ROA) | 1.5600% | 885 |
| Pretax return on assets | 1.5600% | 1,446 |
| Return on Equity (ROE) | 14.8472% | 889 |
| Retained earnings to average equity (ytd only) | 8.2529% | 1,330 |
| Net charge-offs to loans | 0.1381% | 5,195 |
| Credit loss provision to net charge-offs | 182.4324% | 1,996 |
| Earnings coverage of net charge-offs (x) | 19.1215% | 1,222 |
| Efficiency ratio | 62.0134% | 5,617 |
| Assets per employee ($millions) | 4.1395% | 3,573 |
| Cash dividends to net income (ytd only)* | 44.4140% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6498% | 3,334 |
| Loan loss allowance to noncurrent loans | 72.2131% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 2.0666% | 3,382 |
| Noncurrent loans to loans | 2.2847% | 3,348 |
| Net loans and leases to total assets | 60.0207% | 4,911 |
| Net loans and leases to deposits | 68.4309% | 5,360 |
| Net loans and leases to core deposits | 71.6268% | 5,558 |
| Total domestic deposits to total assets | 87.7099% | 2,154 |
| Equity capital to assets | 11.1032% | 2,848 |
| Core capital (leverage) ratio | 10.3256% | 2,883 |
| Tier 1 risk-based capital ratio | 15.2542% | 3,124 |
| Total risk-based capital ratio | 16.5070% | 3,091 |
| Memoranda: | ||
| Average total assets | $218,797,250 | 2,936 |
| Average earning assets | $201,738,000 | 2,894 |
| Average equity | $22,989,250 | 2,810 |
| Average total loans | $142,925,000 | 2,921 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1052% | 4,425 |
| Cost of funding earning assets | 1.0894% | 5,737 |
| Net interest margin | 4.0159% | 2,942 |
| Noninterest income to average assets | 0.8033% | 2,099 |
| Noninterest expense to average assets | 2.8125% | 4,432 |
| Loan and lease loss provision to assets | 0.1647% | 5,243 |
| Net operating income to assets | 1.5160% | 887 |
| Return on assets (ROA) | 1.5160% | 948 |
| Pretax return on assets | 1.5160% | 1,514 |
| Return on Equity (ROE) | 14.7078% | 910 |
| Retained earnings to average equity (ytd only) | 6.5861% | 2,028 |
| Net charge-offs to loans | 0.2248% | 4,253 |
| Credit loss provision to net charge-offs | 109.7561% | 3,714 |
| Earnings coverage of net charge-offs (x) | 11.2012% | 1,792 |
| Efficiency ratio | 62.5942% | 5,594 |
| Assets per employee ($millions) | 4.1002% | 3,581 |
| Cash dividends to net income (ytd only)* | 55.2203% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4950% | 3,963 |
| Loan loss allowance to noncurrent loans | 44.9840% | 5,314 |
| Noncurrent assets plus other real estate owned to assets | 2.9583% | 2,412 |
| Noncurrent loans to loans | 3.3233% | 2,407 |
| Net loans and leases to total assets | 62.5844% | 4,563 |
| Net loans and leases to deposits | 71.7883% | 5,028 |
| Net loans and leases to core deposits | 74.6549% | 5,373 |
| Total domestic deposits to total assets | 87.1792% | 2,442 |
| Equity capital to assets | 10.3765% | 3,549 |
| Core capital (leverage) ratio | 10.0104% | 3,151 |
| Tier 1 risk-based capital ratio | 14.0553% | 3,686 |
| Total risk-based capital ratio | 15.3061% | 3,653 |
| Memoranda: | ||
| Average total assets | $218,597,670 | 2,955 |
| Average earning assets | $200,852,330 | 2,936 |
| Average equity | $22,532,330 | 2,854 |
| Average total loans | $145,936,000 | 2,903 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1565% | 4,265 |
| Cost of funding earning assets | 1.1130% | 5,838 |
| Net interest margin | 4.0435% | 2,679 |
| Noninterest income to average assets | 0.8269% | 1,899 |
| Noninterest expense to average assets | 2.7828% | 4,551 |
| Loan and lease loss provision to assets | 0.1658% | 4,869 |
| Net operating income to assets | 1.5986% | 753 |
| Return on assets (ROA) | 1.5986% | 806 |
| Pretax return on assets | 1.5986% | 1,268 |
| Return on Equity (ROE) | 15.5618% | 793 |
| Retained earnings to average equity (ytd only) | 11.1335% | 892 |
| Net charge-offs to loans | 0.1023% | 4,399 |
| Credit loss provision to net charge-offs | 236.8421% | 1,616 |
| Earnings coverage of net charge-offs (x) | 25.2105% | 987 |
| Efficiency ratio | 61.1989% | 5,965 |
| Assets per employee ($millions) | 4.0714% | 3,706 |
| Cash dividends to net income (ytd only)* | 28.4562% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4651% | 4,100 |
| Loan loss allowance to noncurrent loans | 41.2059% | 5,605 |
| Noncurrent assets plus other real estate owned to assets | 3.3691% | 2,105 |
| Noncurrent loans to loans | 3.5555% | 2,244 |
| Net loans and leases to total assets | 66.6679% | 3,711 |
| Net loans and leases to deposits | 79.1348% | 3,816 |
| Net loans and leases to core deposits | 81.8144% | 4,519 |
| Total domestic deposits to total assets | 84.2460% | 4,022 |
| Equity capital to assets | 10.4715% | 3,274 |
| Core capital (leverage) ratio | 10.1181% | 3,025 |
| Tier 1 risk-based capital ratio | 13.6196% | 3,915 |
| Total risk-based capital ratio | 14.8709% | 3,875 |
| Memoranda: | ||
| Average total assets | $217,190,000 | 3,023 |
| Average earning assets | $199,825,500 | 3,004 |
| Average equity | $22,311,000 | 2,904 |
| Average total loans | $148,567,500 | 2,921 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5481% | 3,886 |
| Cost of funding earning assets | 1.3753% | 6,037 |
| Net interest margin | 4.1728% | 2,162 |
| Noninterest income to average assets | 0.9075% | 1,916 |
| Noninterest expense to average assets | 2.7983% | 4,983 |
| Loan and lease loss provision to assets | 0.3684% | 4,579 |
| Net operating income to assets | 1.6068% | 542 |
| Return on assets (ROA) | 1.6068% | 574 |
| Pretax return on assets | 1.6068% | 950 |
| Return on Equity (ROE) | 18.3159% | 341 |
| Retained earnings to average equity (ytd only) | 11.7469% | 229 |
| Net charge-offs to loans | 0.2042% | 5,356 |
| Credit loss provision to net charge-offs | 254.1139% | 1,387 |
| Earnings coverage of net charge-offs (x) | 13.6234% | 1,416 |
| Efficiency ratio | 58.6217% | 6,676 |
| Assets per employee ($millions) | 4.0480% | 3,715 |
| Cash dividends to net income (ytd only)* | 35.8652% | 3,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3809% | 4,333 |
| Loan loss allowance to noncurrent loans | 61.3463% | 4,337 |
| Noncurrent assets plus other real estate owned to assets | 2.3949% | 2,906 |
| Noncurrent loans to loans | 2.2510% | 3,330 |
| Net loans and leases to total assets | 68.1853% | 3,661 |
| Net loans and leases to deposits | 80.5940% | 3,872 |
| Net loans and leases to core deposits | 105.1759% | 3,439 |
| Total domestic deposits to total assets | 84.6034% | 3,758 |
| Equity capital to assets | 10.0762% | 3,652 |
| Core capital (leverage) ratio | 9.8887% | 3,217 |
| Tier 1 risk-based capital ratio | 12.8096% | 4,279 |
| Total risk-based capital ratio | 14.0599% | 4,228 |
| Memoranda: | ||
| Average total assets | $217,950,800 | 2,972 |
| Average earning assets | $201,925,000 | 2,948 |
| Average equity | $19,120,000 | 3,323 |
| Average total loans | $154,760,200 | 2,848 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6114% | 3,799 |
| Cost of funding earning assets | 1.4364% | 6,099 |
| Net interest margin | 4.1749% | 2,136 |
| Noninterest income to average assets | 0.9060% | 1,959 |
| Noninterest expense to average assets | 2.9098% | 4,418 |
| Loan and lease loss provision to assets | 0.3630% | 4,146 |
| Net operating income to assets | 1.5121% | 790 |
| Return on assets (ROA) | 1.5121% | 848 |
| Pretax return on assets | 1.5121% | 1,379 |
| Return on Equity (ROE) | 17.9044% | 464 |
| Retained earnings to average equity (ytd only) | 9.3436% | 753 |
| Net charge-offs to loans | 0.1559% | 5,149 |
| Credit loss provision to net charge-offs | 325.8242% | 1,264 |
| Earnings coverage of net charge-offs (x) | 16.8297% | 1,446 |
| Efficiency ratio | 60.8112% | 6,308 |
| Assets per employee ($millions) | 3.9914% | 3,748 |
| Cash dividends to net income (ytd only)* | 47.8139% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3045% | 4,478 |
| Loan loss allowance to noncurrent loans | 117.2595% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 1.4881% | 4,144 |
| Noncurrent loans to loans | 1.1125% | 5,089 |
| Net loans and leases to total assets | 71.9230% | 3,052 |
| Net loans and leases to deposits | 84.8955% | 3,511 |
| Net loans and leases to core deposits | 111.5266% | 3,068 |
| Total domestic deposits to total assets | 84.7194% | 3,361 |
| Equity capital to assets | 9.6222% | 4,594 |
| Core capital (leverage) ratio | 8.8460% | 4,899 |
| Tier 1 risk-based capital ratio | 11.1551% | 5,805 |
| Total risk-based capital ratio | 12.3567% | 5,798 |
| Memoranda: | ||
| Average total assets | $217,790,000 | 2,990 |
| Average earning assets | $202,346,000 | 2,955 |
| Average equity | $18,393,500 | 3,467 |
| Average total loans | $155,666,250 | 2,857 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5700% | 4,219 |
| Cost of funding earning assets | 1.5231% | 6,049 |
| Net interest margin | 4.0469% | 2,518 |
| Noninterest income to average assets | 0.8905% | 2,019 |
| Noninterest expense to average assets | 2.8926% | 4,524 |
| Loan and lease loss provision to assets | 0.5030% | 3,020 |
| Net operating income to assets | 1.2580% | 1,337 |
| Return on assets (ROA) | 1.2580% | 1,414 |
| Pretax return on assets | 1.2580% | 2,136 |
| Return on Equity (ROE) | 15.5922% | 749 |
| Retained earnings to average equity (ytd only) | 3.1568% | 3,561 |
| Net charge-offs to loans | 0.1690% | 4,535 |
| Credit loss provision to net charge-offs | 418.9394% | 1,103 |
| Earnings coverage of net charge-offs (x) | 14.6667% | 1,636 |
| Efficiency ratio | 62.1579% | 6,227 |
| Assets per employee ($millions) | 3.9756% | 3,726 |
| Cash dividends to net income (ytd only)* | 79.7542% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2868% | 4,347 |
| Loan loss allowance to noncurrent loans | 130.8938% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 1.3550% | 4,243 |
| Noncurrent loans to loans | 0.9831% | 5,241 |
| Net loans and leases to total assets | 72.2166% | 3,157 |
| Net loans and leases to deposits | 85.3708% | 3,668 |
| Net loans and leases to core deposits | 109.9460% | 3,375 |
| Total domestic deposits to total assets | 84.5916% | 3,451 |
| Equity capital to assets | 8.4069% | 6,181 |
| Core capital (leverage) ratio | 8.1928% | 5,996 |
| Tier 1 risk-based capital ratio | 10.3764% | 6,501 |
| Total risk-based capital ratio | 11.5639% | 6,517 |
| Memoranda: | ||
| Average total assets | $219,872,330 | 2,979 |
| Average earning assets | $204,452,670 | 2,946 |
| Average equity | $17,739,670 | 3,583 |
| Average total loans | $156,168,670 | 2,887 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4794% | 5,016 |
| Cost of funding earning assets | 1.6515% | 5,807 |
| Net interest margin | 3.8279% | 3,348 |
| Noninterest income to average assets | 0.9008% | 1,848 |
| Noninterest expense to average assets | 2.7366% | 4,842 |
| Loan and lease loss provision to assets | 0.9943% | 1,310 |
| Net operating income to assets | 0.7372% | 3,404 |
| Return on assets (ROA) | 0.7372% | 3,589 |
| Pretax return on assets | 0.7372% | 4,297 |
| Return on Equity (ROE) | 9.3259% | 2,601 |
| Retained earnings to average equity (ytd only) | -2.1609% | 6,134 |
| Net charge-offs to loans | 0.1490% | 3,766 |
| Credit loss provision to net charge-offs | 953.4483% | 653 |
| Earnings coverage of net charge-offs (x) | 16.6034% | 1,543 |
| Efficiency ratio | 61.2475% | 6,209 |
| Assets per employee ($millions) | 4.0776% | 3,494 |
| Cash dividends to net income (ytd only)* | 123.1707% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3276% | 3,924 |
| Loan loss allowance to noncurrent loans | 84.6465% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 1.2619% | 4,152 |
| Noncurrent loans to loans | 1.5684% | 3,928 |
| Net loans and leases to total assets | 69.4306% | 3,814 |
| Net loans and leases to deposits | 83.3795% | 4,076 |
| Net loans and leases to core deposits | 106.5601% | 3,842 |
| Total domestic deposits to total assets | 83.2706% | 4,006 |
| Equity capital to assets | 7.8673% | 6,986 |
| Core capital (leverage) ratio | 7.7911% | 6,760 |
| Tier 1 risk-based capital ratio | 10.0235% | 6,892 |
| Total risk-based capital ratio | 11.2384% | 6,840 |
| Memoranda: | ||
| Average total assets | $222,467,500 | 2,961 |
| Average earning assets | $207,320,500 | 2,916 |
| Average equity | $17,585,500 | 3,625 |
| Average total loans | $155,724,500 | 2,918 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6042% | 2,470 |
| Cost of funding earning assets | 2.2464% | 5,385 |
| Net interest margin | 4.3578% | 1,804 |
| Noninterest income to average assets | 1.1501% | 1,163 |
| Noninterest expense to average assets | 2.9213% | 4,373 |
| Loan and lease loss provision to assets | 0.2349% | 4,547 |
| Net operating income to assets | 1.9371% | 404 |
| Return on assets (ROA) | 1.9425% | 385 |
| Pretax return on assets | 1.9498% | 695 |
| Return on Equity (ROE) | 24.2904% | 165 |
| Retained earnings to average equity (ytd only) | 10.7590% | 359 |
| Net charge-offs to loans | 0.1593% | 4,599 |
| Credit loss provision to net charge-offs | 210.5263% | 2,291 |
| Earnings coverage of net charge-offs (x) | 19.5307% | 1,627 |
| Efficiency ratio | 57.2731% | 6,824 |
| Assets per employee ($millions) | 4.1635% | 3,183 |
| Cash dividends to net income (ytd only)* | 55.7067% | 2,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0414% | 5,708 |
| Loan loss allowance to noncurrent loans | 96.4436% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 0.9150% | 4,555 |
| Noncurrent loans to loans | 1.0798% | 4,408 |
| Net loans and leases to total assets | 68.9017% | 4,280 |
| Net loans and leases to deposits | 83.1149% | 4,564 |
| Net loans and leases to core deposits | 104.8016% | 4,320 |
| Total domestic deposits to total assets | 82.8994% | 3,813 |
| Equity capital to assets | 7.9428% | 6,914 |
| Core capital (leverage) ratio | 7.9574% | 6,558 |
| Tier 1 risk-based capital ratio | 10.1885% | 6,529 |
| Total risk-based capital ratio | 11.1265% | 6,759 |
| Memoranda: | ||
| Average total assets | $204,324,600 | 3,079 |
| Average earning assets | $185,230,000 | 3,113 |
| Average equity | $16,339,800 | 3,859 |
| Average total loans | $143,087,000 | 3,037 |